Cash stuffing—allocating physical cash into labeled envelopes—goes digital via apps like Goodbudget and Monarch. Users create virtual envelopes for groceries, fun, or travel, curbing overspending psychologically. YNAB reports 84% of users reduce debt within six months.
Automation pulls from paychecks; round-up features boost savings. Couples sync for transparency, avoiding money fights. Gamification—progress bars, badges—keeps momentum.
Privacy concerns? Local storage options exist. Pair with zero-based budgeting for precision. This tactile finance trend proves old-school discipline thrives in smartphones, building wealth one envelope at a time.