We do "envelope budgeting" but taking advantage of a bank (Starling in the UK) that makes this cash free. Starling lets you divide your account into spaces and

We do "envelope budgeting" but taking advantage of a bank (Starling in the UK) that makes this cash free. Starling lets you divide your account into spaces and you can have virtual debit cards associated with a space, or pay bills by direct debit straight from a space. At the beginning of the month the monthly budget for each space is put into that space and most spending comes directly from its space using a virtual card (in Google Wallet for physical purchases or with the appropriate card info for online purchases) or via direct debit. A few transactions are on the main card and are categorised later by transferring from the right space in the app. Some budgets we expect to pretty much fully use each month, like groceries or bills. Others like the car budget we aim for rollover to cover occasional big expenses like a service. We also have an emergency fund to cover unanticipated bigger expenses. I've tried various methods and software in the past and this has worked best. Tracking everything in an app or using ledger / beancount is too much work for too little benefit in my experience. It also hasn't worked well for me for budgeting as it tells you after the fact where your money went but doesn't by itself help / force you to stick to a budget the way the envelope method does.