I noticed my bank has started a new app which permits lots of bank accounts like that, basically little piggy bank's as you say. It's probably not something I'd use myself but if it keeps a person on track then that's great. I have a holiday account that gets a sum put in there monthly, hopefully I get to use it again one day, but other than that just my main account where my pay goes into and from where I transfer from to pay my VISA off each month. This, and the envelopes, has worked for me for many years.

I don't think it matters what system a person uses, what's important is that they have one that works and they stick to it.

Thanks for your comment and well done for taking control of your finances.