Association Fees $1011*
Christmas Account $500*
Emergency Fund $10K*
Property Taxes $3638*
Car/Maintenance Fund $404
Vacation/Entertainment $2K*
BacktoSchool $500*
College $2181*
Home/Maintenance Fund $157
Life Insurance $235*
Health Fund $1K*
Checking $30*

These accounts are kept in an online account. (Capital One 360). I like that you can open an account with just $1.

Accounts with an * behind the number mean that I am not contributing to these and they are funded for the year. I'm working on beefing up the Car fund to $10K and the home fund to $2K. The home fund will be complete this year if everything works out according to plan.

The college fund is almost all gone. Then DD1 who has been paying for some things will be paying for all of her college needs.

I keep very little in the checking and then when I need to pay for something I just transfer the money from the savings category. I do have a credit union that I use for everyday things. This is what has worked for me.