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.

After unsuccessfully trying different budget managers over the years, I payed a considerable (at the time) amount for one that uses the envelope system (YNAB) and that is exactly the kind that works for me. Before that I always lived paycheck to paycheck, never had any money left and constantly ran into trouble. Now I have peace of mind with everything planned out and thinking a year or more ahead instead of in the moment.

Oh wow I know this movie but can’t remember the name! Saw it at a film festival once.

People expecting a new Twitter when switching to Mastodon were met with weird behavior and nerds who told them the awful search function or weird comment count is working correctly because that’s how federation works. Well if that’s the case then federation is shit.