Roeshimi Yes in this case my friend created for the blue categories a seperate bunq account. I personally use for almost every catgory a bunq account. Like one for each of those things: food, Heath & cosmetics, my personal budget, gasoline, eating out, vacation, etc. you get the idea.
I handle it like I did in ynab. In ynab you create a „goal“ for each individual payment you have to make or budget you need. I handle it the same way in bunq. When my salary comes I fill up my accounts with a certain budget and then later on I can move money around. I always only pay with one card. Two accounts connected to this one card. One for food and another one for personal stuff. If I pay for gas for example i pay with my personal account and then later move the money from gas to personal. This way you do not need to play around with lots of cards. Of course it is a little bit of work to keep everything right and in order but that’s where the spreadsheet comes in handy.
