[superdog683]

if you use apps. and a spread sheet to keep track of all misc. expenses then i would say too much time and effort.

my simple way is take the misc. expenses $ money right off the top when cash check. i put the cash in my pocket. $800 every two weeks. and i use cash for all misc. stuff. use the credit card for fixed monthly expenses and pay maintenance stuff like insur, etc elec. check. so if run out of cash then done till next check. and usually have left over dont usually spend full $800 i just throw it in the drawer until it piles up and then spend it on something or divert to invest. acct.