A long time ago, I learned a way to do something that had a similar effect. Most places I’ve worked allow you to have a split deposit. So, I have two checking accounts at my bank. Add up all your monthly recurring expenses, then have a split deposit so that enough money goes to one of the checking accounts for the recurring expenses, anything leftover goes to your other checking account. You can spend all the money in the “spending” account because your bills are covered by the “bills” account.