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Digital envelope system: a modern take 
I definitely get where you're coming from.  The envelope system sounds good, but doesn't appeal to most people under 50 for many of these reasons (physical cash in my hand is just a hassle - it has no appeal or reduced spending affect on me). There are various options for prepaid debit cards such as https://www.netspend.com/ or you could use gift cards for things like gas and groceries (though that likely won't get you duplicate cards or automatic payments).  As far as automatic payments, just set that up through your bank. So it's still not a perfect solution.  I wish there was a better, more straightforward way, but this is the best as far as I know. Update: Ramsey solutions has since launched EveryDollar.  This is Dave's preferred solution for an online "digital envelope system".