The kind of thing that I would like to be able to do is have a bunch of different virtual accounts that I can use for various different things. Pretty much the

The kind of thing that I would like to be able to do is have a bunch of different virtual accounts that I can use for various different things. Pretty much the envelope spending system, but with cards. I'd be able to take in paychecks and other income into a primary account, pay bills and distribute the rest into various accounts (for example, Eating out, Entertainment, Books, Learning, etc) according to some budget. Then I'd like to be able to see how much money I have left on any of these in pretty much real time. Once you go up to the limit of one of these cards, then you know you've gone over budget. Half-way through the month, you have no more money for Entertainment? Too bad. I think this kind of thing would make it easier to practically stay within your budget. Wanna go on a holiday? Boom, make a Holiday account, put a certain amount of money on it, and then you know you can spend that much on whatever, while everything else remains constant. Holiday gift season? Make a budget, make a card, and spend from there, knowing that it's just a bigger hassle to use another card if you run out of gift money.