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.
Taking action can be the hardest part to the entire process. Just getting started is what stops most people dead in their tracks, content with wishing and blaming their situation on anything else. Truth is, if you never take action, you can't ever get past the wishing stage. So how do you get started? You need to first state to yourself that you will take action. Action is what will be required of you to make your financial goals a reality. Next, you need to discuss your plans with someone else. It can be anyone, whether a partner, your children, a friend or even a co_worker. Telling someone about it gives you accountability towards your goals and doesn't let you off the hook for it.