I am driving myself crazy with the budget. We have 2 seperate checking accounts with our CU. A main checking where all our money is deposited. From there I transfer funds to several and I mean several different savings account and a seperate checking account. Everything except groceries gets paid or withdrawn from this account. The other checking is for our grocery spending, this I like, it works out good for us because it allows DH to buy items as needed.
What I'm finding to be a huge pain is all the savings accounts. Here they are; Med/Rx, Tax/insurance, gifts, clothes, car repair, house repair, vet. The beginning of each month I transfer the designated amount to each savings, then as money is spent it then needs to be transferred back to the checking. Ridiculous right??!! In one day this can add up to several transfers from different savings, if I buy a gift, a prescription, a house item, etc, etc.........AAAGGGHHHHHHH !!!
I hate this system, I am constantly transfering money back and forth and here and there!!!! Even with all the savings there are things that still fall through the cracks so it not even that efficient. I want simplicity but I don't know how to manage it all. If I just leave it all in the checking how do I keep track of what's available for each different category. I tried to do it on paper but it was hard to keep up with it all. Plus seemed like double work, writing it in the check book register then on paper.
I only have an iPad so I'm very limited with budgeting programs. Eventually I would like to get a laptop and use YNAB or something similar but in the meantime I'm just not sure what to do.
I don't know why I have to make it all so complicated. Suggestions PLEASE!!