first of all I moved this to the Collecting Chat forum... as, if you read the forum descriptions, "Off Topic" is explicitly for topics that explicitly have nothing to do with collecting.
I have a degree and a well paying job, and while I'm not rich by any stretch of the imagination my income and supporting my hobby isn't something I typically stress about.
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Basically I have 3 bank accounts.
1. a checking account that my wife and I share, we use this account to pay bills
2. a personal savings account
3. a personal checking account
my paycheck is automatically split and deposited into these three accounts.
My wife and I determined how much we should split the monthly bills, and I have the proper amount deposited into the joint checking directly from my paycheck every month with a small buffer to account for fluctuation.
I have a portion of my paycheck automatically deposited into my savings account every month, and the remainder is deposited into my personal checking, and that is my spending account.
All of my bills are automatically paid by the joint checking, so as long as I show up for work I'm confident that my bills are getting paid. I get email notifications whenever a bill is paid and I usually just glance at it to make sure it's what I expect give or take a few $$ (not really necessary for the cell, or cable bill, but services like electricity can fluctuate month to month.) 9 times out of 10 my "buffer" is big enough to account for fluctuation. I review the auto-deposit one a year to account for mortgage and insurance rate changes but for the last few years I haven't had to make any changes.
Stuff like fuel for my car, money for food, etc. I pay out of my personal spending account.
Most people seem puzzled that my wife and I don't share savings and personal spending accounts but we both like the situation. She is free to go shopping/get manicures/etc as much as she likes because it comes out of her own account, and I'm free to buy tools/car parts/and CEs as much as I like because it comes out of my own account. When we want to make a big purchase like new furniture or home repair we discuss it and split the costs paying out of our savings.
Overall this offers pretty much ZERO stress over money, because I could potentially drain my personal checking and not have to worry about bills getting paid (I don't, but I theoretically COULD), not to mention the separation of accounts between my wife and I means that neither of us have to ask approval of the other if we want to buy something for ourselves nor do we ever have any arguments over money or spending habits.
I have a credit card but I don't use it unless I have to (certain things like renting a car require it).
I personally like the 3-account system I have setup and I highly recommend it for easily managing your funds and keeping stress over money low.