The good wife did something interesting a few months ago. She took the monthly disposable income out of the bank. She started allocatting it to different envelopes. So we had entertainment envelope, fuel envelope, Food Shopping Envelope, etc etc. Whenever we needed anything, we took it out of the appropriate envelope. We were always going over budget.Tapping the card had become too easy. At first I was shock and horrified but I started liking it and it was a good exercise.