Bank “Savings Buckets” vs. Real Savings Buckets: Why Separate Accounts Win Every Time | 445

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Okay, budget besties — let’s clear up some confusion that’s been driving us all a little nuts. 😅

You’ve heard about “savings buckets” — but here’s the thing: what banks are calling buckets is not what we mean when we talk about savings buckets. So today, we’re setting the record straight.

In this episode, we break down:

1. The difference between bank “buckets” (a.k.a. subaccounts) and our savings bucket system

2. Why using one big savings account with buckets can actually make budgeting harder

3. How separate accounts for each savings goal can simplify your life (and your brain!)

4. How to automate it all so you don’t mess it up (because life is busy enough)

Spoiler: We’re team separate accounts all the way — because when you can clearly see how much you have for travel, Christmas, or car maintenance at a glance, you’re not stuck doing mental math or juggling categories in your bank app.

Our whole system is about keeping your money simple, automatic, and totally clear. And trust us — once you try it this way, you’ll never go back.

Connect With Us: 

1️⃣ Facebook Group – Join the community. Our free group is where the real talk happens. Connect with other women who are learning how to budget, save, and finally feel in control, together. ➡︎ budgetbesties.com/facebook 

2️⃣ Automate Your Budget Masterclass – Watch it now, no waiting. This FREE on-demand training shows you how to set up a budget that matches your lifestyle, without tracking every dollar or feeling restricted. ➡︎ budgetbesties.com/automate 

3️⃣ Budget – Grab our Simplified Budget System! You don’t need another budget, you need a system that does the math, makes the plan, and gives you permission to spend. ➡︎ budgetbesties.com/budget 

4️⃣ Private 1-on-1 Coaching – Get a plan and a coach. We’ll build your full budget system together, so you always know what to do and feel confident doing it. ➡︎ budgetbesties.com/coaching 

5️⃣ Be on the Podcast – Free coaching, real convo. Come chat with us on the show! Get real-time financial coaching and help other women by sharing your story. ➡︎ budgetbesties.com/livecall 

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