I have two accounts and a spreadsheet.<p>Money goes into one account, then I work out all my expenses for the month, rent, petrol, food, isp bills etc.  This amount is then transferred to my bill paying account.  As the month wears on this account is depleted automatically as bills are taken then next month I refill it.<p>The other account is a play money account.  Anything I need&#x2F;want during the month comes out of this.  At the end of the month any left over is transferred into a saving account.<p>Been doing this for 15 years and it works pretty well for me.