I've always kind of like the jar method or the envelope method where you take that $100 or whatever and you split it up into different pots. It's just a good physical way of reminding yourself where your money is going. I wish that banks would allow you to do that as well. For instance, set up sub accounts inside your main savings account. Then you could say, this is for our trip and it gets $10 per month and everything else goes in the main account. Something like that anyway.
I agree. I don't understand why it isn't possible to have "sift accounts" under the main that are self-managed.
That would be so cool. I mean technically you could do it on paper just as long as you track it, but there is something about physically (or virtually online) moving the money that makes it more real to me. It's like a mental trigger or something.