conversation: User (shaneyr): "Graduated from college about six months ago and I'm living on my own.  I have a budget that I maintain in excel and I have a general plan for what I'm going to allocate my paychecks to (basically 1 towards loans, 1 towards daily living expenses).  I allocate money in monthly budget for larger, less-frequent expenses (mostly insurance) but I'm having difficulty keeping track of it.  I keep a tally of how much I've "paid forward" for these expenses in my spreadsheet but I wondering if anyone has any suggestions on how to "isolate" this "future" money from all the rest of the money in my bank account?  Would it be crazy for me to open more bank accounts or do any banks offer accounts with "sub-accounts"?"
  Self: "&gt;Would it be crazy for me to open more bank accounts or do any banks offer accounts with "sub-accounts"?\n\nI use multiple bank accounts for similar purposes.  Some banks, like smarty pig and CapitalOne360 offer sub accounts. Do what fits your lifestyle/banking needs."
  User (shaneyr): "Thanks!  I'll have to look into CapitalOne360.  I already have a credit card with them so that should give me some leverage when I apply for an account."
  Self: "&gt;  so that should give me some leverage when I apply for an account\n\nProbably not, but they are a good online bank."
  User (shaneyr): "hahaha, fair enough.  I didn't really have a basis for that statement other than it made sense in my head"
  