At this moment I use 5 accounts. I have one for general purchases, 1 for food, 1 for games, 1 for my monthly movie subscription and 1 for savings. The 1 for games is most important, because now I finally cannot overspend anymore. When the account is empty, it's empty so I have to wait. That's waaaaay better than any budget system I have used so far and will save me the cost of premium in a year :P
The 1 for my monthly subscription is because, when i'm low on money I want to make sure they don't try to collect money when I need it the most (just future planning).
The other ones don't need explanation I think, but really like the use of the 5 accounts I have right now.
Maybe that I will create a new acocunt for clothing in the future, but for now I don't spend that much on clothing, so don't really see the need for it.