Budget Hacks Filter: I need to pretend I have less money than I do.
I recently realized it was foolish of me not to have the majority of my money in my checking account, because my awesome credit union
pays me 3.25% interest on that account. So yay, extra money every month!
Unfortunately, it also means that the money I used to have shoved aside in savings (out of sight, out of mind) just sits there as part of the total in my checking account taunting me. So every time I log in, I have to think, "Okay, actually, I don't
have $X--part of that is regular savings, part of that is for repairs on the house, part of that is childcare money, so really I only have $X-Y-Z."
Have you figured out a clever solution to a similar problem?
* I am a fairly conscientious budgeter and receipt tracker (I use PearBudget
* I have thought about setting up some sort of extra spreadsheet for divvying up my checking account, but I'd kind of not to have to go around entering data into two separate budgets
* That said, I'm open to switching systems, especially if there's some existing spreadsheet/system/whatchamadilly out there that will do this