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I already have a savings account with my bank, and save regularly on a monthly basis as part of a budget. However, I often find myself saving for particular items, say a future trip, or next year's dental insurance premium. Since these amounts all appear together as one lump sum in the savings account, it is often difficult to keep track of what's what. Does anyone have any suggestions for managing this more effectively? Thanks!

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In my blog I mentioned SmartyPig once, seems to be exactly what you're looking for.

  • Agreed, it seems to have this functionality, but it would be my preference to do this with an external utility, and not have to open a new bank account. – tagith1394 May 20 '11 at 1:49

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