It still works. Things like childcare just come out of the fixed expenses that are preallocated (or from cafeteria plan). I more or less take this same approach

It still works. Things like childcare just come out of the fixed expenses that are preallocated (or from cafeteria plan). I more or less take this same approach - except I use a mileage credit card. I have a self imposed budget limit and use my smartphone to ensure I'm staying below that amount for the month.