mummy duke

*The four bank accounts* Your own personal bank account- we both have our own bank account for gym membership, phone bill, clothes shopping, coffee dates, fitness classes and general pocket money. The utilities bank account- This is where your main  bills come out of; The mortgage, gas, electric, water, t.v licence, insuranc, etc it all comes out of that here. This way it is the only account that money comes out. Some banks give rewards for each direct debit that comes out so you could move your gym and phones bills to this one if it benefits you.  Saving bank account- This card should not be a debit card and set lower amount you can withdraw from ATM. Put money in straight away when you get paid or have come in from another account automatically before you even touch it. Children's saving account/trust fund- Each month put a little away that goes into their accounts whether it be so they have their own money for holidays or saving for a car when they turn 17