Great post. I love your thinking, and the code that goes with it!<p>But in the end, this seems exactly like normal envelope method accounting software, but without bank integration and with a daily view. You just have one big envelope for &quot;Daily spending&quot; which can be anything. You still keep an envelope for each bill, and you still keep an envelope for each irregular bill and big ticket item.<p>A system like YNAB could eclipse this by simply adding a daily view, and reinforcing their point about keeping your estimated spending categories  few and broad. You could switch to YNAB (or whatever) seamlessly, and have your bank transactions pulled in automatically.<p>Am iImissing something?