The jars system you linked to is far to granular for me. Two savings accounts. One long term (for investment use) and one short term (for whatever you want to use it for).

Auto payments of a set amount per account go in monthly from the main personal current/checking account a couple of days after salary payment lands (just in case there is an issue with the salary payment).

Live on the rest. Rinse and repeat.

 

For me, I found a bank that gives a high savings rate(limited to one high savings rate account per person) as long you satisfy their conditions (e.g. a monthly deposit and open/link a daily account where you use a debit card to purchase transactions).

I have 4 accounts in that bank:
1. Daily account - is where my dalary goes in and which I use for all my transactions (daily expenses). I compute my monthly expenses and leave the amount here.
2. High Interest saving account - I just keep on adding to this savings account every month and try not to withdraw from it. Its kinda like my emergency fund.
3. Travel fund - I put in here a fixed monthly as I would like to travel yearly (combination of local and international travel).
4. Debt killer/Investment - I currently still have credit card debts so this account is used to clear it and once debt is clear, Im using that account for investments or business.

Im also looking to automate as much as possible so I set monthly transfers to each account. I found another bank though with another high interedt savings so I might transfer my Travel fund there as my travel is scheduled already and often takes time to save for. Some additional interest for your cash isnt bad anyway.