Like others we find it helps to have more than one account. So here goes. It sounds like more trouble than it is.
(1) - checking for bills and household + (2)a linked savings for short term savings - money is transferred between these two a lot.
(3) - daycare/flex spending checking - we figured up how much daycare was a year and then decided how much needed to come from flex spending and how much from out checking. We set up an automatic transfer every paycheck from our main checking to flex checking and have the flex checking reimbursement direct deposited there. I do need to work to stay on top of submitting the reimbursement forms monthly.
(4) - Husbands checking - this is his discretionary/allowance money - His check's direct deposit has $60 out of his paycheck go here on payday and the rest to our main checking.
(5) - My checking - same idea as my husbands
(6) - Savings at another bank - long term savings - we've done this in the past and don't currently have one. We need to reestablish this. Basically we have our direct deposit from our bank spit and a set amount go into this account. Accessing the money involves withdrawing from one bank and depositing in another. We usually do a small credit union for this account.
I find my big budget suck is multiple trips to the grocery store. So I find that making a menu, making one big shopping trip and then having a rule that I'm not allowed to set foot in the store after that really helps our budget.
I also have a spreadsheet with the spending for the next month mapped out. So then I can see how much I have and where it would have to come from. So right now I have done the weekly shopping trip, the cars have gas, and there is $50 in our account. I need about that much to buy some stuff for my daughter. So if other spending comes up I'll either have to postpone getting the stuff for my daughter or dip into savings.