I have two bank accounts that I use. One is a credit union to which my main income goes via direct deposit. The other is a Bank of America account that I use when I need to make a quick deposit and as a vacation fund savings account.

But now that I have a second job to supplement my main income I’m thinking of what the best way to handle the money transfer/pooling would be.

In my second job I get paid ‘under the table’ so direct deposit obviously isn’t an option. I’m paid in cash too so I’d rather not mail it to my credit union – they’re digital mainly – so I deposit it in my BoA account.

My original plan was to take the money from my BoA account, which would have been about $480 at the end of each month and send a check to my credit union.

But now I’m thinking of just putting my credit union account on complete automatic through the use of direct deposit and bill pay. Then I would use my second job and BoA account as my monthly spending account.

I like this idea – I just have to make sure that my credit union money can cover my bills and then it will be all set.

Unfortunately I know that if I know there’s money in the account – I will spend it. This plan will hopefully take the ‘loaded gun’ out of my hands and force me to live within the means of my second job, while the credit union account pays bills and grows.

I know, I know…I’m pathetic and have no will power. But hey – at least I admit it and know that about myself, right?