I have 3 savings accounts
1. A savings MM to supplement my checking account in case I hit the negatives accidentally ( I still won't get overdraft protection from them ::sigh:
2. ING account for automatic saving withdrawals ( I play the numbers game also... if I have 437.60 in my checking, I transfer 37.60 or whatever balance I have left over at every end of month)
3. Capital One Smoking account- I recently decided to pass on cigarettes (I won't say the Q word since it's such a JINX!) I deposit a set amount of money monthly that I would spend on cigarettes.
And of course.. my trusty envelopes.. but I like to keep those with me and not in a bank somewhere