Speaking of myself personally I am not really much of an Excel budgeting kind of person, I've tried it but I just have hard time staying motivated to use it. Admittedly I find having these aesthetically pleasing cash envelopes/binders and these elaborate set-ups a little extra but it helps people budget and get their finances together. Different things work for different people, so why not?

So from what I've seen people will physically save up for maybe sinking funds or their emergency fund and once they get to their goal point they will re-deposit it into the bank. I personally am too lazy to do this so that is why I wouldn't get into physical cash stuffings but I can understand why people do it. Some people need something tactile and in person to really get where their money is going and what they're doing with it.

I recently started watching people do cash stuffings on YouTube (including her! I've seen some of her videos). I don't do it personally because I don't really like carrying physical cash. I use YNAB which is basically a virtual cash envelope system. But with that said I think it's fun watching how people set up their cash binders, how they organize their money, etc. So I basically just watch them for inspiration.