I was very against switching to an envelope system for our expenses. It just seemed like a giant hassle and I wasn't sure how we could pick up things we needed if one of us had the envelopes and the other didn't etc.
Boy was I dead wrong. Why didn't we start doing this years ago? Honestly, I haven't found a better way to curb the "here and there" spending that you barely noticed when you were using your debit card.
So now, instead of going over budget in food and other categories, we are sticking with it. When the cash is gone, you're done. Simple as that.
Now when I make a little extra money with cash crate or my blog, it goes straight to my snowball and not to make up for some silly thing I picked up that put us over budget. So if you haven't started using envelopes yet, then GET TO IT!!! Trust me, doing that combined with your budget will save you SO much money.
It really isn't the giant hassle that it seems like it could be.
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