I actually use mint to track all the different accounts and budget along with Google Docs spreadsheet. I track them daily so that nothing becomes over drawn. Plus all the accounts are with Ally Bank, so there aren't any fees if they do go to low. I will probably consolidate in the future, but for now this works for me.
Also, just for clarification, I miss typed earlier, my rent and utils is actually ~$1100 a month (~$1460 if you count the food/insurance budget as well), save $800 a month, that leaves $560 left over for whatever either extra savings or to use as a buffer.
@Zamboni, there is a 401K offered, but since there was no match and since I have been saving pretty substantially in that area over the years. I figured I would just use that extra money to build up an emergency fund. Once I get that $24K mark, I will probably restart a 401K or Roth IRA and back off on saving as much in the emergency fund. I will look into contacting a mortgage lender to get a ball park Idea of what I can afford and go from there. My only question is that, if I don't have a 20% down payment, isn't that just setting me up for additional costs? Currently, I only have $10K if I pull everything together, I am not sure that would be enough for a fixer upper in my area for a single person. I really do not want to be house poor because I could only put down 5% on $200K or less house.
Or is there a way (or is it normal) to only put down a low percentage and then just make additional payments (or large scheduled payments in the future or one large payment in the future) to offset not having 20% down? I really don't know much about home ownership. I know that interest rates are low, but I heard great advice in that one should wait to buy house until you are ready not when the market is ready. That way of thinking makes more sense to me but again I am open to anyone's ideas on the matter since I am trying to figure this out for myself.
Thank you everyone for the advice so far.