YNAB (and surely other apps) works that way. Your money is affected to the budget you want, not &quot;free to spend&quot;.
They have a nice 9 day course about managing your budget (Email: <a href="https:&#x2F;&#x2F;www.youneedabudget.com&#x2F;method&#x2F;nine-day-course" rel="nofollow">https:&#x2F;&#x2F;www.youneedabudget.com&#x2F;method&#x2F;nine-day-course</a>, PDF: <a href="http:&#x2F;&#x2F;www.youneedabudget.com&#x2F;downloads&#x2F;9DayCourse.pdf" rel="nofollow">http:&#x2F;&#x2F;www.youneedabudget.com&#x2F;downloads&#x2F;9DayCourse.pdf</a>)<p>I may be a bit biased because I really love this app, but it helped me a lot to stop throwing money on useless things.