I’ve been using this application for almost 10 years now? It’s essential to my understanding of what is going on with my money. Once a month I sit down, balance all my accounts and can make decisions about payements and budeting to the penny and ultimately gain a great deal of confidence out of understanding what is where. Because of this I don’t rally think of my accounts or money during the rest of the month which is a huge releif honestly. My suggestion if you are starting out with the Envelope Method, I recall it taking a few months to really get the hang of things but I have not regretted it.