Allocating expenses in bank accounts

[Adrian Fajardo]

Hello BP community! I'm very excited to be here and always happy to accept any tips from anyone. I'm still on the early stages of my investing journey and I ran into this question while studying. When I do get a property I was advised that I should create a new bank account for that property alone and have all income from that property deposited to this account and have expenses pulled from it. 

My question is: 

- How do you allocate, for example money set aside for vacancies, repairs or capex? do you just keep all of them in savings as one lump sum? 

- If say for example, a roof needed replacement therefore a huge chunk of the money on the savings account would have to be used for payment but if what you set aside for capex isn't enough, do you take from your vacancy budget or repairs budget?

I hope my question is clear enough. Any advice would be much appreciated. Thanks guys and good luck to you all!