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This is my cash-flow. The banks I use are Länsförsäkringar, Santander and Avanza and Nordnet. As you can see, money goes into Buffer 1 and it goes out from my debit card account. Money also comes into my Investments accounts, from the dividends I receive.
Now this whole scheme works like this, money comes in and I spend some. after the month, I transfer money so that buffer 1 is 10.000 SEK, all excess of that goes into buffer 2, until it is 50.000 SEK. All excess of that, goes into my investments!
At the end of each month, I move the money around to achieve the 10k and 50k buffers.
Even though I have only used this for one month I think this works great for me. Because I get motivated to not spend so much, the more I beat my budget, the more stocks I get to buy!
Do you have any kind of system for your money? What do you think of mine?