[agentx3r]

In Canada we have these refillable prepaid VISA cards https://www.koho.ca/. Not a plug, but it's honestly solved money management for us.

Every week, my wife and I load some amount into the 'joint' card, and a smaller onto the personal cards. The joint card is for necessities, the personal cards are for fun. It's much more convenient than the cash envelopes we were doing before.

Credit cards don't work for us because it's too easy to cheat, and you only have to feel guilty when you square up the tracking. With the prepaid cards, you get a much harsher signal when you're over budget.