How do you (if you do) keep 'pots' of money if you're saving for something?

[AmeliaTangfastic]

I don't want 5 separate bank accounts as I am a US citizen living abroad (UK). As such I have to report all my bank accounts opening, closing and their max balance every year 😩. It's a PITA

Anyway, I want to save for a few different things (Christmas, new car some day, build up my emergency fund some more etc etc). At the minute, I just stick it all in one saving account, but wonder if there is an easy way of keeping track of what I'm saving for each thing without opening new bank accounts.

So far I'm just thinking 'spreadsheet'

I believe it’s actually 20 pots you can have.

That sounds about the number I would have had, do you know if the PP is correct to say there's now no limit?

No I was wrong, the limit is 20. I just haven't reached it yet!

Sorry if I gave you false hope.

Is monzo the best option here?
How do the others compare?

I agree with others about Monzo. I transfer a certain amount from my longstanding bank account into monzo that then goes into various savings accounts pots. I love it!

Been using YNAB for more than 10 years. Not free but worth every penny. Don’t know how other people live. I have complete visibility on what I spent, have spent, want to spend, and actually have. It has reduced my blind panic about money. Still panic occasionally but never feel blind.

I'm leaning towards this, thank you! I like that I don't need to open a new bank account to use it.

Monzo is very easy to open.