Additionally, set up your savings, checking and the sub_savings accounts to have internet_access via your home computer, free of charge. This will allow you the convenience of budgeting and bill paying from the comfort of your home. If you are uncomfortable using internet_access for banking purposes, there are just a couple things to be aware of and you will be fine. First, only use a reputable bank or credit union. They have the best security in place for all of your data access requirements. Follow their password guidelines and change your password regularly. In my book, I dedicate an entire chapter to Virtual Envelopes and how to set up your sub_accounts.
The second thing we need to do is to find out how much money you actually spend each month again include everything even those items that your spouse does not know about like that Latte down at the coffee stand, that you get on a daily basis. It helps to break this down a little. Fixed nonnegotiable expenses, things we actually cannot do without, we all need food lodging medical care basic clothing insurance property taxes a car may be necessary where you live, you get the idea.