<prompt> Human: Instead of using multiple accounts to save up for something like a computer, I just create a budget for Electronics, say 50 a month, and let it rollover. This way, once it gets to the right amount, I know Ive saved up enough. Kind of like a reverse credit card. Anyone do anything similar?  <response>: This is one of the fundamental concepts of You Need a Budget YNAB. It took me a while to grok that I should be using a budget rather than a separate account. 