lamil, I have those categories in my monthly budget, but DH has his own system and doesn't want to change.
We just talked it over and decided to keep a month's spending, plus a little, in the checking account to make it easier to keep track of the emergency fund in the savings account. We will also keep money we are saving for special purposes in the savings account. It will be easy to keep track of just a few things in the savings account, rather than a whole month's budget plus the emergency fund. Ahh, harmony at home is good.