I always like seeing people find new ways to manage their money, but you seem to take issue with estimation and categorization, which are (IMHO) the fundamental pieces of a budget that actually create behavior changes.<p>The point of estimating your expenses is to cause surprise and provoke thought when your estimates are terrible. The point of categorization is to aggregate expenses into larger groups to help find places to cut. Maybe you don&#x27;t see &quot;$40 for dinner&quot; as a crazy expense but summed over a month it turns out &quot;$1000 on food&quot; is crazy.