I recently started using this and love it. It may sound silly, but I've found that the most effective way to stick to my budget is using a checking account for

I recently started using this and love it. It may sound silly, but I've found that the most effective way to stick to my budget is using a checking account for expenses that is separate from my direct-deposit account. Simple tells you how much money you have left (that isn't earmarked for something else), and that's it.