<prompt> Human: I used to pay all of my bills from ONE checking account for years. And i have quite a lot of bills. Every month I was always short for something because it was also the account that i did discretionary spending. I also didnt budget either so I always had to take money out of savings to pay for bills by the end of the month. I was too fed up with myself. So I decided to open 1 more checking account and 2 more savings accounts. I split them for bills, discretionary spending, emergency fund, short term savingsEvery month I split my checks between all of my accounts. I put all my money for bills in a separate account that i never touch. I put money for short term savings goals in a separate account from my emergency fund. And lastly my discretionary spending goes in its own account. For the last 4 months I have not had to take money out of savings to pay for bills or anything. You have no idea how much this little tweak has helped me. That and budgeting myself as well.I look back and cant believe I didnt do this sooner. I know people out there who are perfectly fine managing money from one account, but I had to learn for myself that this way is much better for me. anybody else feel like multiple accounts is better for you?  <response>: Yeah, I essentially do the same thing with a credit card. I pay all my bills with a credit card and then pay that bill with my checking once a month. No interest accrues if you pay it off in full like that and as a bonus you get cash back on those bills which I would not get on my checking account. The credit limit is far more than I would ever have in bills so I never have to worry about the transaction not going through and even if I came up short paying the bills down from checking account the worst that would happen is accruing a little interest. 