<prompt> Human: I want to try the shoebox method, but Im having trouble because all of my bills are auto-paid. I have about 20 different accounts to pay and I am not sure that I can afford the monthly maintenance fees of a savings account to try things that way.Is there a system of online shoebox bins that my money can go into so that I can watch it go out each month? Whats my best option?  <response>: Jesus christ get rid of some of those accounts. 20 is insanity and just asking to be accidentally overdrafted. 