[rthomas6]

People are making this too complicated.

I transfer money from savings to checking. That is a double entry. Money comes out of savings and goes into checking. Savings->Checking

I need to use the food money envelope to buy clothing. Double entry is just keeping track of what I did. Food Envelope->Clothing. Then 6 months later I can see where my money actually went, and how much I spent on food, and clothing, separate from how much I put in the food money envelope.