I've just been through my electricity and gas bill and realised that not sending in weekly readings because i finally had a smart meter installed has been a disaster. And my salary has also dropped by a third, so I need to find a simple way to budget that involves money being paid into one account, then set amounts transferred to other accounts for rent, bills, DDs, weekly food shop etc ? I don't have a smartphone, so prefer to use different bank accounts, possibly withdrawing a set amount each week in cash (probable for the food shop which is the biggest stressor).Or maybe just have a second account to live off, and keep salary and all DDs in main account?