Most people seem to have a single checking and a single savings account. My wife and I take it a bit further by putting our emergency fund in a separate online-only checking account, but family financial weblog The Fun, Cheap, or Free Queen suggests having no less than seven bank accounts for a family.
Their seven accounts include an emergency savings and regular savings account, separate checking accounts for the household, husband, and wife, health savings account, and a slush fund. Most budget-savvy families have buckets for each of these expenditure categories, but if you're horrible at sticking to a budget perhaps having the money diverted in this many accounts may be a helpful tool.
To see how each account is used within the family budget and how much is allocated to each account, check out the source link below. Keep in mind that there can be incentives for opening an account a new bank—we earned a $200 bonus deposit for using the debit card for our new account 5 times within the first month and keeping track of multiple accounts can be easily accomplished using Mint. Photo by Rikki
The 7 Bank AccountS Every Family Should Have | The Fun Cheap or Free QueenView the original article here
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