Sounds nice but you're basically just making it annoying to spend money so you spend less. That's not the envelope system, that's friction. Same thing happens if you delete your card from the app or make yourself log every purchase by hand. The cash didn't do anything magic, you just felt the pain more. I tried envelopes for two months and yeah I spent less, but I also spent 20 minutes at a register digging for ones while people waited behind me, and I paid a late fee on a bill because my gas envelope was empty. The apps didn't fail you. You just stopped swiping.