Good idea from the comments' section: "I only have 2 Canadian bank accounts but for the first one, I have 1 chequings account and 3 savings accounts. Basically they are for Bills, Short Term (Vacations or shopping spree), and Long Term Savings (Emergencies or Weddings/Down Payment for House). My 2nd bank account just has another Savings Account and GICs from an inheritance. I basically need to treat these many accounts as computer folders. "
"How I kept to my budget and still have everything I want" I have zero desire to be rich. This is a system I've used for years to help me decide if I really wanted to buy something. Meanwhile...OBVIOUSLY...you give, save & pay the bills. :)