<prompt> Human: So from a budgeting standpoint, I was considering setting up a variety of checking accounts where they could be called things like Bills, Food, Travel, Alcohol etc where I could put whatever percentage of my paychecks into each of those and much more visually be able to see how much money is in each of them and be able to control my money better. Is there any sort of downside to having something like this? I suppose there would be monthly fees for those accounts but then maybe most of them could just be free savings accounts and then I could just do direct payments from those to my credit card? Any other tips would be great too  <response>: There would be a lot of hassle factor involved. Multiple debit cards, splitting your paycheck multiple ways. Seems like a recipe for overdraft fees.I just use Mint to sort out various categories in order to help me know what Im spending in each.But everyone has a different system, so if it works for you, go for it, it just seems a little unruly to me. 