I manage most of this with Ally.com. Each bill has its own savings account (most with automatic payment set up on the account side). My direct deposit is automa

I manage most of this with Ally.com. Each bill has its own savings account (most with automatic payment set up on the account side). My direct deposit is automatically transferred on a recurring basis into that pay period’s portion of each bill. You can open multiple checking accounts (and we have multiples for those services that don’t draft from savings accounts), but we only have one debit card. All weekly expenses come from that account (which is funded every week by auto transfers). We aren’t the type that care about “entertainment” vs “food.” Some weeks we eat out more; other weeks we play. If there’s cash in the spend account, buy what you want. Savings and investments are automatically transferred as well. When we have a specific thing to save for, we open a new savings account and modify the transfer rules. Not perfect, but works very well for us.