Money management. I spend my checking account blindly. Thinking of opening a second checking account so i can separate money i can spend from money for bills/necessities. Also, automate a percent of my paycheck to savings.
For some reason, i haven't been able to save unless its automated. If money is available, i spend it. I frequently overdraw my checking when i also usually have 1-2k in it at least e/o week when paid, but it just disappears between mortgage and my spending. I spend 1.2k on shared mortgage and get paid ~1.7k e/o week. I should be saving and i'm not. Every time i move money into savings i end of needing to draw it back out. I know not spending the money in the first place is what's necessary, but i feel like the most effective way to do that is to physically separate it. Has anyone else felt the need to create the separation? For some reason i cannot wrap my mind around budgeting without a buffer like a second account
Posted May 6, 2026, 11:21 PM UTC