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cjmorris

March 31st

This just makes everything very simple. Every pay day my envelopes automatically fill and then I make adjustments according what I know I will be spending. Then I transfer enough to cover everything! If you want to track your credit card spending more you can make separate envelopes and transfer them to the credit card account, that is what I do!
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Jim

April 1st

What frocco said., Moneywise does it automatically when transactions arrive into a connected credit card account.
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JasonR

September 20th

You're basically quadrupling your workload if you do this method of using a savings account plus an electronic envelope system. You will be transferring the money over plus having to track each transaction 3 times in the envelope system (once for the purchase, ones for the transfer withdrawal from checking, and once for the transfer deposit to savings). Trust the envelope system, ignore your checking account balance.
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