Utilize your financial knowledge, give your answer or opinion to the input question or subject . Answer format is not limited.

Multi-Account Budgeting Tools/Accounts/Services
Have you looked at mint? Their budgeting feature can track spending against your budget categories across your checking and credit card accounts. Not the same as the envelope system -- so if you need the built-in limitation that this provides, it may not work for you. But it is a low-effort, automatic system that does the tracking for you if you have your spending mostly under control.