This resonates with me. I record every purchase I make and every bill I pay in a budgeting app. 90% of the process is automated. So, there's very little I have to do once the budget categories, the goals and limits are set. The system works for me, it gives me certainty and peace of mind with very little effort. Yet, every relative and friend that hears about it treats me as a freak despite them being the ones complaining about money and not knowing "where the money goes every month". It's a lost cause.
Pairs up with my EU and Revolut bank perfectly, auto imports transactions, most of which you can set rules that auto assign to categories. And as they said 90% is automated, I just categorize a few transactions a week manually.
I tried something like envelope budgeting before in excel but didn't work really since I was lazy to manually add transactions, this is much easier. Budegting for a house and a USA trip without worries now :)
Several budgeting apps use open banking api to connect to bank accounts and update the entries (money in or money out). Once it's synced you can assign the appropriate category. Usually, the budgeting app "learns" over time and it does the categorisation automatically based on the payee and your budget.
The system isn't perfect but, in my experience, it works 90% of the time. The remaining 10% requires manual categorisation. I suppose it also depends on how simple or complex your budget and your spending are.
If you were right, literary works like Nikolai Gogol's "The overcoat" wouldn't exist. https://en.wikipedia.org/wiki/The_Overcoat