My hubby and I put our “Blow $” in seperate checking accounts

Then we have 3 savings accounts.

(1) Emerg. Fund

(2) Gift Giving/Holiday/vacation $

(3) Incidentials that we don’t spend every month (ie: clothing,subscriptions, home repairs, replace furniture, etc).

Then Quicken Splits it so we know when and where we use it.
Once allocated and downloaded into Quicken it helps with our monthly cash flow sheet.