ING is a great budget tool-with great interest to boot. We have a lot of music (lessons, competitions, trips) expenses. I have $50 directly transferred every week, so that when I need to pay for lessons, I just transfer the money back into my regular account. (As someone mentioned...it takes a couple of days.) I have extra accounts for: music, income tax, property tax, Christmas and "Mickey Money" etc. I've used them forever and I love the interest rate!