👋 I think I may have a weird budgeting brain. I am very visual. Ideally I would love to have a bank account that would let me have about 4-5 high interest savings accounts that I could break down into mini buckets, with one main account for making payments from and to receive deposits. ((Each year, funds remaining in any of my mini buckets would move to my investment portfolio, keeping some of this funding lower risk for emergencies or larger purchases.))
Sadly, I do not think any bank has that sort of setup.
What tools do you use to track your biweekly/annual budgets and how do you stick to it? I am a lone parent of two now and I don’t have a lot of time for reconciling.