Love this concept! My bank allows unlimited sub-accounts, so I use them for expenses to come. I always found myself short when a 3-month bill came due. Now, the money is always there.

I use Acorn similarly to your $1 debit swipe. They round up every purchase and when it reaches $5 it’s deposited into my account. Passive savings is awesome! I will have to see if my bank offers the per debit option.

I dump all leftover monies into a sub-account labeled, Extra. It’s for me to spend however I want. (I have another one for maintenance that should handle emergency repairs, and a medical/dental one for those unforeseen expenses.)

I just found your articles and look forward to reading more!