Account1: monthly, known bills. This is the account where auto-debit stuff happens. Think of it as the account the computers use.

Account2: discretionary spending account. You put your allowance in here. Every month, or every paycheck, you divvy up your money and put spending money here. When its gone, its gone. You always know how much money you have to spend because (like cash) your balance is your budget. Never write checks against this account, only visa/debit transactions so the balance is updated nearly instantaneously and you never have checks floating around out there that you have to keep track of.

Simple, no hassle budget that doesn’t take a lot of upkeep, also not overkill if you don’t have a ton of money to deal with in the first place.