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You'd still have you get your hubby on board (if he deals with the checkbook -- mine never does so I could do whatever), but you could round every transaction up by $1. That way to be "exact" you'd just have to count the number of transactions and add that in . . .in the meantime, you'd think you have less.

You could also tell a bank like ING to take out $20 or whatever monthy or biweekly. That way the amount wouldn't show up in the checking account, but it would still be (reasonably) accessable (and get better interest.)