<prompt> Human: Anyone who knows me can tell you I have zero willpower. Zero. I can make myself leave bill money in the account, but then I also have my husband who is even worse than me, if he sees money in the account hell spend it no matter what. It took me a while but I finally found a system that works, and ive been using it for the last year with very few issues so I feel secure enough to tell you it works. - Every week, our checks are deposited by direct deposit- After the checks clear, I pay the bills that are due that week. I use an Excel spreadsheet to track what bills are due for what week. - After the bills are paid, we go grocery shopping and fill up gas tanks. Then I put both debit cards and all credit cards in a metal lockbox and lock it. My mom holds the key until I need it. Barring our access to the account this way prevents the impulse shopping and it works quite well.- We each get a cash allowance. Once thats gone, its gone, too bad so sad. The money in the bank is not to be spent.- When there is a surplus of money at the end of the month, I pull it out in cash you can use a savings account and put it in the lockbox. - At the end of the year, there is enough money in the box to pay the annual bills such as taxes. Whatever is left over is put in the reward jar to be used on frivolous stuff we want but dont need. This jar didnt get much money last year, it was less than 100 for the year.- This year 2018 is the first year I will actually have a decent amount to save beyond the cash box and reward jar. I havent gotten it yet first check is this friday but when I do I intend to take that raise and transfer it directly into a savings account and let it build. Its not even part of my budget so it wont get spent.I realize this may be more complicated than some of you, but for someone who struggles with self control and needs to save money, this way works wonders. It takes some effort, but it works out very well in the end. My budget is set up on a four-week-per-month schedule, whenever there is a fifth week it goes entirely into the cash box. Again, this is intended to help those who need it. If you have a better method, well, thats great for you. No need to point out how horriblecomplicated mine is, as mine does work and our bills do get paid on time.  <response>: Its cool that you found a system that works for you! Keep it up! 