AYM™ System: How to Stop Juggling Money Between Accounts

Written by Julie M. Watkins

For many people, their weekly routine involves the money shuffle--moving money back and forth between accounts. This constant juggling between accounts is exhausting. It is driven by worry that an account will overdraft when a surprise bill hits and an automatic payment debits your account. You find yourself moving twenty here and fifty there just to make sure the cash is in the right place at the right time. This challenge of keeping the accounts balanced leaves you feeling tired and completely at the mercy of your bills. To stop living paycheck to paycheck and end this frantic juggling, you need to change how your money flows.

The real reason for the money shuffle is not lack of funds, but a timing trap. You are trying to stretch weekly money to cover monthly bills and when the big ones hit, they hit hard. This timing mismatch creates a fear of overdrafts fees so you play a guessing game to avoid having one large bill to throw the whole thing out of balance. Because your monthly bills and weekly spending are competing for the same cash, you are forced into constant surveillance mode. You aren't failing; you are just trying to manage a monthly flood with a weekly bucket.

To end the guesswork for good, you need to build a machine by creating three pools of cash; one for bills, one for living, and one for savings. Each pool is kept in separate accounts at your bank. To fund your pools, use a simple math trick I call The 48-Week Magic™. Take the annual total of your monthly bills and divide by 48. That amount funds your bill paying account which I call your Fortress. You determine how much of the remainder of your earnings to use for your living pool, your Current, and for your savings pool, your Reservoir. By depositing your paycheck directly into the bill paying account at the bank, you can set up automation to pay your bills and fund your living and savings accounts.

Once you set your system on autopilot, life becomes easier and you can breathe again. No more stress over paying bills and best of all, no more juggling money between accounts. This clear separation created by these three pools of money completely changes how you experience your day-to-day life. The pit in the bottom of your stomach is finally gone. Over time, as this automated loop runs smoothly behind the scenes, a natural surplus forms, which can help protect you from future emergencies.

You do not have to spend your life drowning in the rapids of unexpected expenses or playing the money shuffle game to keep your account balances up. Stability is within your reach. It starts the moment you take control of the flow of money and direct it where you want it to go. The math is simple, the pools are ready, and the choice to change your life experience is in your hands. Now build the right machine to let your money support your life.