We keep it simple. We keep cash for regular spending items (groceries, hair cuts, lunches, etc.) according to the monthly spending plan. Bills are auto-drafted. Anything unusual (car repairs, doctor visit, etc.) goes on the debit card or gets a check for the one checking account. I encourage receipt accumulation, but.... Since my wife has no desire to do any of the details, I just share with her the "state of the union" every month or so. Day-to-day items are all cash, so we can't overspend. When I reconcile, I ask about any cryptic transactions. I think the simpler, the better.
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