I've tried numerous apps, but never got any value out of them. What has worked best for me is to have two checking accounts. One where all recurring expenses ar

I've tried numerous apps, but never got any value out of them. What has worked best for me is to have two checking accounts. One where all recurring expenses are billed from that holds all the money, and a second that contains the money budgeted for the week. Every Friday I replenish the weekly account with the budgeted amount no matter how much was spent. I tried doing this on a monthly basis but would always end up overspending and going over. Weekly has worked great because you can quickly see if you are overspending. My wife and I also have personal checking accounts where we each deposit the same amount of personal spending money every month.