Weighing in with one more method, better late than never. :)
During the first week of every January, I withdraw the total that I plan to spend for that whole year, minus what is left over from the previous year. By "withdraw", I mean that I move this from Vanguard to my bricks-n-mortar bank. This method has two advantages for me:
1. This way I am sure I will not spend a penny more than planned, since this is the only withdrawal for the year; and,
2. This requires almost no work on my part.
This is not the brilliant investor's choice, most likely, but it is a method that seems tailor-made for someone like me. What I mean by that is that I'd probably make a little more, on average, if I withdrew more frequently. However, the simplicity of this (to me, foolproof) method is worth it to me.
I put the entire withdrawal into my savings account at my local bricks-n-mortar bank, and then move money to my checking account throughout the year. I don't spend anything until it hits my checking account so I don't spend too far ahead, this way.
"You can never cross the ocean until you have the courage to lose sight of the shore." - - - C. Columbus