Similar system used for many years school book with columns with header, paperclips to clip money add a notes with a post-it type sticky label, or envelopes.
From very first day of earning one had to pay rent at home, train ticket for the month, some savings into bank with small allowance to oneself for fun things or clothing.
Still use this system for some odd payments to be made, always have some fiat in a home for rainy day one never knows when you really need it. Emergency cash!
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Sometimes it's the simple methods that work the most effectively. Banks try to complicate things I think, when it doesn't need to be so complex. Of course, these days so many people don't have the discipline to save...or responsibly pay their expenses.
Life was easier working with simple systems, today everyone in banking, insurance, etc., all want to add extra 'perks' wherein lie the hidden expenses. If I want to go to the bakery I did not enter with purchasing flowers in mind!
Saving for what one might need on a rainy day, is a must, those rainy days have hit more than once, when you buckle to your knees in shocked reaction as to how many times this is never taken into consideration.