[ITEM 3] QUESTION: Как использовать отдельные счета/карты для бюджетирования? ===TRANSLATED_QUESTION: How to use separate accounts/cards for budgeting?

The method of separating finances across different accounts and bank cards is one of the most effective tools for automated budgeting and spending control. Usually, for a comfortable life, it is enough to divide money into three main parts, distributing them across different payment instruments. This approach eliminates the need to constantly count every penny and helps avoid impulsive purchases.

The main secret to success in this system is setting up auto-transfers. On payday, set up automated distribution of funds across accounts: first, send a fixed percentage to savings, then the amount for mandatory payments, and leave the remainder for daily expenses. This allows you to stick to your financial plan without willpower efforts and constant self-control.