[candiddevmike]

You're basically describing envelope budgeting, I think, where the money is (like checking) or isn't (like credit cards) doesn't matter. You have money inside of physical or virtual "envelopes" that represent what money you really have available for X or Y. It's kind of like an abstraction on top of all your money sources.

[dagurp]

For this I recommend https://actualbudget.com/ . It is in many ways like You Need A Budget but you can host it yourself for free.

[zargon]

https://actualbudget.org/ is the open source site.

[fullspectrumdev]

Envelope budgeting works really well, tbh. Especially for saving.

Due to a colossal screw up my bank had after I moved back to my home country, it took me several months to get a new debit card. So I got used to just taking out X cash per month, and dividing it.

I’ve tried a few financial tracking things since getting back on the card wagon, and found none of them actually have the same result (spending less) as just dividing cash into physical buckets.