So… I used to budget but it didn’t really helped my wife and I, so now I only track our finances. When my paycheck arrives, it arrives to an “income” account,

So… I used to budget but it didn’t really helped my wife and I, so now I only track our finances. When my paycheck arrives, it arrives to an “income” account, which is ONLY used to receive the paycheck money. From there I transfer money to a “charity”, a “recurring expenses”, a “day to day” and a “saving” accounts, and the money is simply divided by percentages. All of my bills, debt payments, subscriptions, etc, are linked to my recurring expenses account. All of my expenses like groceries, fuel, restaurants, coffee, misc purchases are covered with the day to day account. We use a credit card (for the points!) but all I need to do is compare the amount in the credit card vs in the day to day account to know if I’m on track or if we can afford this month that extra thing. Saving and charity are kind of self explanatory. But from all this, separating the recurring expenses (plus 10%) from everything has brought the biggest reward!! I’m no longer stressed that we might no have to cover a bill. If we are running tight, in only in the day to day and we can always skip a restaurant :) This is just my method of doing money (inspired by the book profit first) and it’s been working for us pretty good! I hope you find something that works for you too!