Quoting Always♥Faithful:" The point is to spend it. It's nice to treat ourselves when we work so hard for the money. We have more ... [snip!] ... hurting if we spend a little extra money on ourselves once in awhile. We never go overboard, mostly because I'm a tightwad. lol"
Wow you have 2 years worth of bills saved already and your only 23! Most early 20 year olds I know are just starting out and have no where near that type of money saved. You guys seriously must make bank to have that type of money saved aready, lol. But to answer your question, we only leave $50 max into checking after bills are paid, food is bought, gas in cars.... We have certain amounts transferred in its account directly, ira, kids college funds and our savings. Anything extra after bills goes into savings as well. UNLESS we are buying the kids clothes, were planning on going out to dinner, car needs to be inspected that week stuff like that. But that is not every week. What im trying to say is we do not do random purchases to treat ourselves weekly, if we need to buy something that week, I will leave enough in checking to cover it. Other then that it all goes into savings