One of the C+P videos mentioned you can fit A5 ring inserts in the modern bound notepad and use the pad vertically. I haven’t tried it yet, but I’m definitely going to look into trying it with different inserts.
I dont use cash either but I find that I still need some cash to track my spending. We had a lot of debt and having physical money kept us from over spending but now we use credit cards and just track our spending there.
I definitely understand this! My debt from grad school times is truly something LOL I just can't live/budget with cash envelopes but there are definitely apps I use to track it!