What works for us is having 4 bank accounts. One for paying just our bills, that we don't have any check cards or credit cards linked to. Then we each have our own checking account for individual spending money to do whatever we want with - and when it's gone, it's gone. Then we have our employers direct deposit our savings money so we never even see it. It has worked great for us.
__________________   The dog was created especially for children. He is the god of frolic. |