Apple Card & the Envelope System
This is probably more suited for a finance sub but I thought it might be useful here..
I have been using the envelope system to reduce my spending but going to an ATM and carrying cash has been a frustration point of this system. Enter Apple Card. Due to the extremely simple and immediate spending information I have stopped using cash and now make back a percentage on what I spend. If you do the envelope system consider the Apple Card. Simply pay the card off each week to reset the amount and treat the card like its your weekly cash. Just don’t use the card for anything else.
To get address the lack of significant benefits on the card, I was using cash which had no benefits so I figure some small amount of cash back is way better than a pocket full of losable change.
I hope this helps 😀
P.S. Envelope system explained: https://www.moneycrashers.com/envelope-budgeting-system/