A personal finance community for feddit.uk
I used to use the envelope method as a quick and dirty way of keeping my weekly budget in line; then COVID hit and it became more a hindrance than a help - this is absolutely a good thing!
Although places not accepting cash being normalised is a bit of a pain in the arse.
I used a secondary current account like this. Transfer the cash I am happy to spend on non essentials to it and only spend out of that
It's a nice way to deal with it. Starling let you have a "linked" card which acts as a card w. Ringfenced money assigned to it which I like. It's part of their "spaces" setup.
Starling cards are not free though right?
They're free to open. Couldn't say how their overdraft charges compare (and they don't offer very large ones) but they've been a decent current account for me at least.