Sounds overly complicated to me. 

Keep some of your money in either a high interest savings account or some investment that you can sell quickly. Top-up your bank account as needed and sock away the excess into the high interest bank account/investment as needed. 

You can go through your bank statements and credit card statements and see what you are regularly spending every month and adjust your bank account to meet those expenses as required. 

Then you need to decide how much readily accessible cash you want to keep in case of emergencies or change of circumstances. Personally, I'd keep at least six months. And if you don't have that, start looking at what you are spending money on that can be avoided, including such things as cell phones.