Envelopes
Old-school envelope budgeting, without the cash drawer.
The method that works
Envelope budgeting is older than spreadsheets: divide your money into named piles, spend only from the pile. Ledger keeps the discipline without the cash drawer.
How it runs
assign every dollar into an envelope spend each charge debits its envelope rollover leftovers carry to next month warn "groceries: $31 left"
Why it still wins
Envelopes make the tradeoff visible. You can't spend on takeout what you already gave to rent.