Every time I get paid, I take some of the money and allocate it for certain uses. I track this in a spreadsheet. This works fine, but it's not what I want in the end. Basically, I think what I want is the "envelope system" (cash in envelopes) but instead of envelopes, I want a full service bank account.
I've considered using pre-paid credit cards for this. The pre-paid CC would have to be easy to add money to. I'd also like to be able to take cash out. All with zero to little fees.
I've also considered opening several bank accounts and using each account for a specific type of spending. My spidey senses tell me this is probably not a good idea.
Any ideas or suggestions?