Your budgeting style will change over your lifetime. You may use the envelope method when you need to be stricter with yourself.

Some people feel less stressed when they use budgeting styles that track every penny. Others find it is enough to run cash flow and know there's some money left each month for nonessentials. They don't need to itemize where every dollar is spent. See what style of budgeting support your goals and sanity, then adjust as needed.

When you give your online saving account a fun nickname, it will remind you why you are budgeting and saving.

Instead of an account no, change the name to something like "Quit this boring job" or "Italy trip post-pandemic."