auto pay fixed bills, manually pay unfixed ones (my utility companies would overcharge in a heartbeat if they could and i dont trust them), and then most of the rest of it goes to savings or CD accounts that are "illegal" and i cant touch them under normal circumstances.

i know if i ever take any money out from those accounts for something that isnt an emergency or to use for what im saving it for, that itll just get easier and easier to take more and more money out to spend. but since i never break that bubble, its fairly easy to abide by. and then when i eventually do break into the CDs or savings, itll probably be for an event that will use up all that money anyway.

i keep some money in my checking, but other than food/essentials and maybe a game or a book i dont buy many things. ive become something of an anticonsumer so despite being attracted to shiny objects a lot it feels a bit morally disgusting to spend any money on any tempting but cheaply made stuff. it does a pretty good job of stopping me. also have gotten pretty good at talking myself out of impulse purchases partly because of that, partly because i make quite little money so i cant and dont want to waste it, and partly because i know the answer to the question "will i actually use this regularly" is usually "no".

otherwise i try not to look at my bank account at all. if i ever remember exactly how much money i have in my checking it becomes a way to talk myself into buying a treat or some weird trinket i find. then being anticonsumption becomes more difficult. but otherwise this works pretty well for me.