Money pots - what ones do you have?

[MrsRobinStrike]

For those of us who have money pots: what ones do you have?

I have:
Electricity
Oil
Bins
Car insurance
Car tax
Health insurance

DC activities & back to school
DC clothes & toys
House stuff (cushions, mops)

Gifts throughout the year
Christmas
Bulk buying (nappies, toilet paper, tissues etc, detergents etc)
I think that's it 🤔

What do others recommend/find helpful?

I don't have named pots of money within one account as some apps allow but I do have lots of separate bank accounts for different things:

DH and I both have separate current accounts and savings accounts for personal spending/saving up for something that the other one isn't interested in.

Joint current account for all household spending.

Joint savings account for building up a pot of money.

Account to save for holidays and Christmas.

Account we put money aside into to overpay the mortgage then we send the overpayment when we're sure we don't need it that month.

Savings accounts for each of our DDs.

I have
Council tax and oil
Holidays
Birthdays and Christmas
Joint savings
Joint account
Separate spending accounts

works well and we put a weekly sum into all of them so by the time it comes to eg council tax bill we can pay at least half of it off in one go

We are saving for a new boiler, so that’s an extra one we have

I don't have pots, but do have different accounts for things.
Current account for bills and spending
Savings account for yearly bills (I transfer in enough each month for these)
Regular saver for the child benefit (how much I keep/pay back depends on bonuses, overtime, etc so I pay it into a regular saver until I've done the SA, repay anything that needs to be paid back, then pay the rest off the mortgage)
Fixed term savings account
Instant access savings account x 2. One I use to put money in at the start of the month if there's something big that month (like an event or birthday). Another just for some emergency funds.

Accounts - car, savings and one ad-hoc for saving for something specific (recently bought a food mixer).

I then have a “pennies from heaven jar” which is filled with coins that I find, either coins on the floor, or ones from the back of the sofa, etc. I chuck them in and when it’s full I pick a random charity to donate my random coins too.

I only use separate pots for things outside of normal bills so mine are;
Rainy Day fund
Special Occasions
Holidays
Disney fund 😁

Christmas
Holiday
Presents
Spare change
Dog - he's uninsured now so save every month

I use YNAB and have a total of 76 pots under this system. I won't list them all out but give a summary:

All bills separately, including yearly ones (contribute monthly)
Food shopping
Various car funds including petrol, insurance, tax and maintenance
Clothing - kids/adults/teen - I love shopping for the tiny kids so need to rein it in. For the rest of us it just builds up so we have funds available
Random school related expenses
ADHD tax - so I feel less bad when I cost us money
Takeaways/fast food - we spend too much otherwise!
Separate spending money for everyone over the age of 4. Pots to hold kids' savings e.g. gift money
Pot for incoming gift money I haven't allocated yet
School trip for eldest (will delete when trip is over)
Christmas/each birthday
Passport renewals by year needed
Appliance/phone upgrade
Emergency fund (stuff like emergency travel, dead washing machine etc, not income replacement)
Deposit for next car
Fund to pay off overdraft