<prompt> Human: Hi rpersonalfinance,I use a sort of envelope system to my savings. I add all my savings into separate savings accounts on my banking profile.Here are my buckets: Emergency Bucket - The classic emergency fund Dream Bucket - for holidays, date night, spoiling the kids Family Bucket - for buying things the house needs like sheets or kettles Vehicle Bucket - maintenance fund and savings to buy new cars with Property Emergency Bucket - I own several properties and this is used to mitigate the risk of e.g. no rent months Education Bucket - self improvement courses Clothing Bucket - self explanatory Charity Bucket - self explanatoryWhat do you think? Less, more? Something completely different?  <response>: You may want to look into YNAB if you are struggling managing so many accounts 