Experiences of PTA and personal budget?

There are many options for a #plaintextaccounting budget: #hledger builtin feature, automated transactions with virtual accounts, subaccounts of assets for envelope budgeting... I like the idea of accumulative budget of envelope budgeting but I would like to have one reduced list of budget categories (necessary, non-necessary, savings) and a broad list of expense categories (home, transport, utilities...).

@plaintextaccounting