I’ve never used this. Instead, the best thing my wife and I did was create a “bills” and “play” account. My recurring bills come out of the bills account and everything is paid automatically. My discretionary funds go in the “play” account and I feel free to spend that until it’s gone. This is handled with automatic deposits.
Later I added savings accounts to the list but the first two are the cornerstone of my budgeting.
Later I added savings accounts to the list but the first two are the cornerstone of my budgeting.