<prompt> Human: Before reading, try to understand that while this worked for me, it may not work for you. It also may be more complicated than it has to be, but it works for me.I normally bank with Ally Bank, I have a savings account and a checking account with them. I found that I would see a lot of money in my account and think, Oh cool, I can spend 200 since I have the money to cover it. Often I would forget about the recurring bills and end up panicking about how little money I had in my account when it came time for them to draw from my account. Whoops.The first thing I did was I opened two new checking accounts to separate bill payments. I opened one with Capital One to handle my car payment and car insurance payment. I did the same with Republic Bank and that handles my health insurance as well as all of my entertainment bills NetflixHuluetc. Note: I do NOT carry the debit cards of these accounts with me so I can not spend the money freely. I chose to use my savings account as my general emergency fund which would cover rent for 3 months or any major unexpected need of funds.Next, I added up how much each account needed per month. For my car account I need 410 per month. Since I get paid bi-weekly, I divide 410 by 2, and contribute 20530 per paycheck. Sometimes I move a little bit extra over, and theres one paycheck per year that is free which contributes to my padding. I do the exact same for my entertainment account. I need 210 per month for that so I send 10520 per paycheck to my Republic Bank account.I use my savings account as my emergencyrent account and make sure to contribute 20 of my paycheck every paycheck. Whatever I have left in my personal checking account is now mine to spend how I wish.So the basic premise that works for me is:1: Separate recurring payments into a checking account designated for it.2: Figure out how much out of each check to move over per payment period and contribute more than you need. If you get paid bi-weekly then divide your bills by 2, if its weekly, divide by 4.3: Dont touch those accounts for any reason except to allow automatic bill paying.By doing this I know exactly what I can spend on fun per month and I am adding an emergency cushion to all of my bills. I went from living paycheck to paycheck two years ago to having 3 months of cushion for every bill that I have.  <response>: Ya see, heres the thing, as you said in the beginning this may not work for you, the implication is that you worked for and found something for you. And that my Internet friend is true inspiration. Congratulations and thank you for sharing. 