3 Account Setup - Life After Arrival

Your step-by-step guide to creating financial clarity through account separation

The three-account system is one of the most powerful tools for creating financial peace. Instead of having all your money swirling around in one account, you'll separate it by purpose: bills, spending, and savings.

Before You Begin

What You'll Need

Banking Audit

Monthly Income Flow Visualization

Account 1: Bills Account - Calculate Requirements

Housing Costs

Utilities

Insurance

Subscriptions

Debt Payments

Other Fixed Costs

Account 2: Spending Account - Calculate Allowance

Essential Variable Expenses

Personal & Lifestyle

Flexible Spending

Account 3: Savings & Goals Account

Choose Your Account Types

Your Account Plan

Setup Timeline

Week 1: Account Opening

Week 2: Account Activation

Week 3: Automation Setup

Salary Allocation Setup

Option 1: Payroll Splitting (Preferred)

Option 2: Automatic Transfers (Alternative)

Direct Debit Migration Plan

Current Direct Debits Audit

First Month Testing Schedule

Week 1: Salary Processing

Week 2: Direct Debits

Week 3: Spending Patterns

Week 4: Overall System Review

Common Issues and Solutions

Expense	Monthly Amount (£)
Rent/Mortgage
Council Tax
HOUSING SUBTOTAL	£0.00

Expense	Monthly Amount (£)
Gas & Electricity
Water
Internet/Phone
UTILITIES SUBTOTAL	£0.00

Expense	Monthly Amount (£)
Car Insurance
Home Insurance
Life/Income Protection
INSURANCE SUBTOTAL	£0.00

Expense	Monthly Amount (£)
Streaming Services
Gym Membership
Software/Apps
SUBSCRIPTIONS SUBTOTAL	£0.00

Expense	Monthly Amount (£)
Credit Card Minimum
Loan Payments
DEBT SUBTOTAL	£0.00

Category	Monthly Budget (£)
Groceries & Household
Fuel/Transport
ESSENTIAL VARIABLE SUBTOTAL	£0.00

Category	Monthly Budget (£)
Eating Out
Entertainment
Clothes & Personal Care
PERSONAL & LIFESTYLE SUBTOTAL	£0.00

Category	Monthly Budget (£)
Cash Withdrawals
Miscellaneous
FLEXIBLE SPENDING SUBTOTAL	£0.00

Account	Monthly Allocation	Percentage of Income
Bills Account	£0.00	0%
Spending Account	£0.00	0%
Savings Account	£0.00	0%
TOTAL	£0.00	100%

Transfer	From Account	To Account	Amount	Frequency
Bills Transfer	Main Account	Bills Account	£0.00	Monthly
Savings Transfer	Main Account	Savings Account	£0.00	Monthly

⚠️ Bills Account Issues

Problem	Solution	Your Action Plan
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Account Type	Current Balance (£)	Monthly Fees (£)	Current Purpose
Current Account
Savings Account
ISA
Other Account

Provider	Amount (£)	Current Account	Payment Date	Status

Implementation Guide 1: Setting Up Your Three-Account System