re: Budgets - Some questions

We set up a budget using a mix of recurring account transfers and a weekly "allowance" transfers to Amex Serve. I don't trust myself or my wife to be disciplined enough to track every purchase while also not going over budget on discretionary expenses. A prepaid card helps lessen the temptation to spend over our allowance. You can allow it to "overdraft" a specified amount if you want. I am also able to make adjustments to my allowance balance if I were to use cash or another credit card for a purchase. This is done thru the bill pay feature. This is handy as not every place takes Amex.