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I sneered at the envelope system for 2 straight yrs, then a $340 overdraft humbled me
For the longest time I thought cash envelopes were for people who couldn't handle a debit card, and I said so to my sister more than once. Then in March I got hit with a $340 overdraft after a slow stretch with my cleaning clients, and she dared me to try it for 30 days. I pulled $200 out at the credit union in Joliet and split it into envelopes for gas, food, and cleaning supplies. By week two I was actually thinking before I spent, because watching the grocery envelope get thin felt way different than a number on a screen. The part that got me was the leftover $47 I clipped to the fridge instead of blowing it on takeout. I'm not saying it fixes everything, but it made my spending real in a way my banking app never did. How do you all handle the cash thing when so many bills are online now?
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