I guess you’d call ours zero-sum virtual envelope budgeting. Maybe? Our budget pre-allocates every dollar of income to categories, balancing all planned income with all planned expenses, which is the zero-sum part. Many of our categories are spent month-to-month from our checking (mortgage, groceries, gas, etc.) but a bunch of categories are longer term (auto repairs, home repairs, money set aside for charitable giving, etc.). We “virtual envelope budget” those by putting the money from those categories in a separate savings account and deposit/pull from it as needed. I have a custom tab on our Tiller sheet where I track the running balances in each “envelope” by pulling the numbers from the Budget History tab.
With all income accounted for (zero-sum) and longer term / irregular spending envelope budgeted, and all of our big stuff automated (mortgage, retirement savings, etc.), it’s mostly just a matter of categorizing spending (which we do about every 2 weeks) and moving some money between checking and savings at the end of each month to reconcile the “envelopes”.
We analyze our spending and whether we’re over/under spending certain categories every 6 months or so and adjust the budget as needed. From that perspective, the budget is more of a guide than a strict thing we adhere to week-to-week.