I am sorry if this has been asked before, but I was wondering how all you budget minded DISers separate an Emergency fund vs. a Savings account vs. your monthly money. My husband and I are trying to create a budget and I can't seem to figure this out. Currently we have our savings account and checking account. Checking is for our monthly needs and savings for everything else. But I am looking at adding a special Emergency and Vacation fund up. How would I go about doing this?? Do I just open extra savings accounts?? Thanks for any advice you guys have!!! I just love reading this thread or budget ideas!!!