I see budgeting in three strands:
- My bills - ensuring I have enough for each month, reducing where I can and using tools to help me in the long term to reduce costs
- Monthly spending that’s variable - groceries, travel etc - where I should have a maximum amount and try to stick to that or less (the maximum amount being incorporated into bills above)
- Everything else - which a daily spend total is useful
This is essentially how I work now - putting all 1 and 2 into a pot and 3 is my remainder. What would be useful is for summary to just do this for me.