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I did that, and always ended up putting it on credit cards, but I've gotten a little better now. Instead of forcing me to use credit, it forces me to put off other goals (like building an emergency fund). Still not great, but at least it's not costing me more money.

So they have restrictions on withdrawing money from a single savings account six times in a month? Or are you allowed 6 total for all your accounts.

I don't like keeping money in the checking account, because it's interest rate is even worse than the savings. What I do is only keep $1 in my checking, until I need to pay a bill, then I transfer money to checking first and pay from there.

I need to limit the number of my accounts any way. I'm at a point now where I feel like any more accounts would only confuse things and make it more difficult, not save time.

The solution is to have more cash in checking, less savings sub-accounts and/or move larger amounts of cash into checking. Of course, this will help keep transactions out of savings under six.

I try to write about things that help me, which means I don't understand concepts, or I've made mistakes. In this case, I failed to plan for my car insurance bill. I covered it this time, but I might not be so lucky the next.

As for social security, I knew it had problems, but I honestly never knew exactly what the cause was until I did some research for this post.

I'm really glad that you feel like this is practical and applicable adivce.

Thanks for the comment and compliment…I hope you keep coming back!

I don't *think* I consider unrealized income, but I'd like to check and make sure I understand you.

When you say you recommend cash accounting for income, and accrual for expenses, is this what you mean:

- For income (like paychecks, tax refunds, bonuses, etc…) you do not include them in your finances at all until the money is actually received in your account

- For expenses (like one-time costs or highly variable expenses) – you plan accordingly for them over the entire length of the time period, not just when it is due

As an example, you don't count your bonus til you get it, but you set aside money for car insurance every month.

If that's what you meant, then I agree completely.

I find that using cash accounting for income actually leads me to have surpluses of money, which is good – because I can use it for things like paying down debt.

Thanks for the comment, and I hope you reply…I'd really like to know what you meant by “cash accounting for income”.

I absolutely love sub-accounts. I'm very obsessive about things, so I like having that level of detail. Plus I have to have that money out of my checking account. I really like to zero out my checking account each time I get paid.

I just need to make sure that I don't make too many sub-accounts, and then complicate things in the long run. Right now, I think I have 10 or so, which sounds like a lot but I think that's the right amount for me. To each his own, right?

I think I'm limited in the number of direct deposits I can have from my paycheck, but I actually like having some manual transfers. It's kind of satisfying, in a weird way. I love knowing that I'm transferring money to my emergency fund, even if it's only $50 at a time.

I really love transferring money to my vacation fund, or paying off my debt. It's actually a motivating factor for me.

Thanks for reading, and also for the comment. I hope you keep coming back!

I need to work on this too.

It was inspired by me almost getting burned on my car insurance this month. Luckily for me, I had tax refunds to pay for it, but I don't want to always plan on this.

I've almost gotten burned by high gas prices in the past.

I just know that once I get off my budget, it's hard to get back on.