This is how I divide my Dave Ramsey envelopes for things I don't want to have a bunch of cash laying around for. (Christmas, Property Taxes, Home Improvement, Vacation, Etc.) You can have up to 99 separate savings account :)
How to budget with Capital One 360 (Formerly ING Direct)
Want to know how to budget? Well, ING Direct is my favorite budget tool. Here are the steps how I budget with ING Direct. You could probably use this same technique at other banks, but I will show you why it is more beneficial at ING Direct.