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this post was submitted on 19 Apr 2026
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I realized recently I do envelope budgeting except by flinging money between different bank accounts instead of any normal and sane method of doing so. On the upside, I have enough money earmarked for computer upgrades to upgrade every computer in my house, but none of them really need it and I don't want to pay AI bubble prices so I'm just letting that cash stack grow for now
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.