I am using similar thing with two checking accounts & an excel sheet. Account A gets all salary in. Account B is expenses. Zero Balance. Excel sheet has column

I am using similar thing with two checking accounts & an excel sheet. Account A gets all salary in. Account B is expenses. Zero Balance. Excel sheet has column for each expense, like Insurance, Phone, Internet, Car, etc. If I need to put $100 for Car, I send it to Ac B, & make an entry in Sheet with first column as Date, & Car's column as =100. When over time I spend that $100 or anything from that account, I log it as =-100. Kind of envelopes.