<prompt> Human: Each month, I transfer 220 to my savings to account for expenses that dont happen monthly, things like car insurance, car taxes, Christmas spending, etc. This is separate from the amount I transfer each month for emergency savings or for retirement, which go into different accounts.How do you keep tabs on the balances of these earmarked savings? I use Mint.com, but I dont see how that helps exactly. I could create an excel spreadsheet for myself that breaks down the total of that savings account into the different categories, I suppose. Are there any banks that allow you to have named savings or to itemize categories for accounts?  <response>: Buy YNAB. It does exactly what you are looking for in a completely straight forward way. And, whats best, is it really makes it easy to know for certain how much money you have allocated to each of your infrequent spending categories. It is really just a complex spreadsheet that you could definitely make yourself. But, its all elegantly put together and youd probably be better off not spending all the time to build it. They have a free trial. 