conversation: User (schmidtyb43): "So from a budgeting standpoint, I was considering setting up a variety of checking accounts where they could be called things like "Bills", "Food", "Travel", "Alcohol" etc where I could put whatever percentage of my paychecks into each of those and much more visually be able to see how much money is in each of them and be able to control my money better. Is there any sort of downside to having something like this? I suppose there would be monthly fees for those accounts but then maybe most of them could just be free savings accounts and then I could just do direct payments from those to my credit card? Any other tips would be great too"
  Self: "You might start something up with Chex Systems, which is basically the equivalent of the credit bureaus.\n\nIt's archaic, but perhaps you can literally use the envelope method for what you want. Some banks or credit unions might let you open several savings accounts though. Just remember that the federal law limits you to 6 withdrawals per month."
  