I have not read fully what catlady posted.. but I had to reply or I´d forget

I have a similar thing.. haha.. I "have" a basic account (in my head of course).. but I actually have like 20 others which I have to have in mind to split money into..

I have added a couple more to that since I joined here.. hehe

I usually divide them for:
dog/bird food
insurance
school
one store credit of my own.
debts (which actually are for me but that way I make sure to pay me LOL)
extras (emergencies of any kind)
savings (this has 3 subaccounts :P)
and what I get from vacations and savings from work (which usually are for christmas gifts)

newly added
swaps
camera fund

the rest hubby pays LOL... but I too try help every now and then specially with electric, water, gas, gasoline..

I would love to get a computer program to get all my "accounts" sorted.. because I´m thinking of getting paid by debit card.. and I KNOW if I have the money there..well... it´ll be as good as spent..