Patent attributes
A person stores funds in a lower interest checking account and a higher interest savings account of a banking institution. For each of a plurality of cycles, funds are received at the beginning of the cycle from an amount of income (‘INC’) of the person. An amount at least equal to a total amount of regularly recurring bills of the person that have a generally fixed amount (‘FIX’) is deposited into a bills account of the person, and at least a portion of a remainder of INC is deposited into the checking account. During the cycle, the person pays the regularly recurring bills from the bills account and other bills from the checking account. At the end of the cycle, a final amount left in the checking account above a floor value (‘FLO’) is transferred to the savings account. Thus, excess funds are not allowed to accumulate in the checking account.
