If you want to be able to spend 5K without talking to me about it, you're going to have to make sure there's a 10K cushion in the account. That's YOUR job. Don't come bitching at me that the account is overdrawn. The banking register is incomplete because you're making online payments and not telling me. I'm doing MY job. If you don't tell me about shit, I'm not going to know until the end of the month when I see it on the bank statement. I'm not monitoring this account daily. And if you would get the bills to me in a timely manner, I could just pay them and you wouldn't have to worry about online payments or overdrafts. Get it together, this is on you. It will all work out and be fine, but this is definitely on you. Do better.