That’s a good system you have.
My banking app allows for 20 digital ‘piggy-banks’, which I use to allocate money to certain expenses.
Some examples of the categories are groceries, car, taxes, presents, emergency fund and general savings.
I would like to have more than 20, but that’s not allowed unfortunately.
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.
I agree, you should have a system and be committed to keep using it.
This is much much better than not having a system