Ramit Sethi at I Will Teach You To Be Rich breaks down and shows his bank account structure. He has couple of accounts in different banks for different proposes – one checking account as an inbox for his money, two saving accounts for mid-term savings, and an investing account for long term and stocks:
Build yourself an infrastructure to make it easier to save.
Here's how: For every dollar that comes in, I allocate percentages to different accounts. For example (I'm making these numbers up), let's say I made $100 from a paycheck. I might put
25% in savings
50% living expenses
And you can make it easier by having multiple accounts. I manage all of this stuff in Quicken, so even though I may have $1,000 sitting in my ING account, I can easily tell that $200 is for furniture, $300 is for an upcoming car repair, and the rest is for whatever.
Here's how I set up my financial accounts – [I Will Teach You To Be Rich]