

It sounds like you’re having a few accounts for savings, hobbies, groceries and so on. That’s very good already!
Envelope budgeting can actually can go so deep to have categories for each subscription, insurance, savings and so on. This makes you stop looking at the accounts total available money and instead only see what is actually available after everything else is distributed.
I have two accounts: one is a checking for everything that I need the current month and a savings for the rest, so I earn a (tiny) interest from it.






The Dutch exported the wonderful Alfred J Kwak