A simple Cash Basis budget works, You can't spend what you don't have, and you feel the impact hand over your cash rather than by an inanimate electronic exchange. When I was a young teen I kept my cash in jars, each jar was a goal or expense. I can see that if I wanted something sooner I had to borrow from the other jars or do extra chores for more cash. Simple.
Love offering? Fantastic, my church practices that monthly, Jesus commanded his church to take care of those that are needy among us. No exceptions.
Thanks for sharing your strategy Hive account@wenggo