What&#x27;s worked best for me is putting all of my income into one account and then just giving myself a fairly low monthly &#x27;allowance&#x27; into my personal checking account (at a different bank), from which I spend out of (including rent, student loans, etc.).  It took a few iterations to get the monthly value correct so I wasn&#x27;t running much of a deficit or a surplus.<p>But now it&#x27;s good and I don&#x27;t sweat the small stuff, and I can skip eating out in order to buy a new bike part or whatever.  I do look quarterly-ish and see what I am actually spending on.