Welcome back! You've mastered expense tracking with envelopes. But this raises a common challenge: what if your money is scattered across multiple bank accounts, credit cards, and payment apps?

Most people use 3-5 different accounts and payment methods daily.

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How many different accounts or cards do you use regularly?

Multiple accounts create budget blind spots. You might stay within your grocery envelope, but overspend on dining using a credit card.

Without coordinating across accounts, your careful tracking becomes incomplete and your budget fails.

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Which payment method do you use most for impulse purchases?

The key is treating all your accounts as one unified budget system. Think of them as different pockets in the same jacket - the money still comes from your total available funds.

Your budget limits apply regardless of which account you're spending from.

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Do you currently think of your accounts as separate or unified?

Here's a simple coordination strategy: assign each account a primary purpose but track everything in your main budget categories.

Your checking might cover needs, credit card for wants, and savings account for emergencies - but all spending gets recorded the same way.

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Which account would you designate for your needs expenses?

For budgeting with multiple accounts, pick one account to "hold" each category mentally. When that account runs low in a category, you stop spending there across ALL accounts.

The limit applies to your total spending, not per-account spending.

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Which category would be hardest to coordinate across multiple accounts?