You might want to consider using a transaction based system
On the lookup sheet I have two tables. The first table is the various accounts you can have. Since this is a table you can add as many accounts as you want to track.
The second table is the type of transactions you can have and whether they are negative or positive.
This brings us to the leger sheet. It is also a table so formulas and validations get copied down automatically. Each time you add a date, a new record gets created. Columns F & G are helper columns and can be hidden. Since they have formulas in them that you do not want to overwrite, it is probably best if you do hide them.
The first several rows establish the initial balances for the account. Then I made some transactions. On 1/2 I bought food on 1/3 I bought gas on 1/4 I transferred money from home repairs to vehicle and gas. You will note that the grand total on the right is zero. Although the account values changed, the overall monetary situation did not change.
The pivot table does the running summary. Of the $770 you had on 1/1, $734.65 remains.
As you get paid, you can Add to Account with the comment "Payday!" As you parcel out your budget, you can check the Grand Total column on the right to make sure the various allocations add up to the check amount.
To make this into your budget. Fill in the tables on the lookup sheet. You can delete the table rows on the Ledger Sheet, Excel tables remember formulas.
Every time you change data in the ledger table, you will have to refresh the pivot table.
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