Someone on a forum swore the envelope system worked, and I tried it for 90 days
I always thought the cash envelope thing was for people who couldn't do math in their head. Back in January I pulled out $600 in tens and twenties for groceries, gas, and fun money, and stuck it in three paper envelopes. By week two the grocery envelope was down to $40 and I caught myself putting stuff back on the shelf at Kroger. That never happens when I just tap a card. The weird part is I started noticing prices way more, like a $6.50 jar of pasta sauce made me wince. I still mess up some weeks and borrow from the gas envelope, so I'm not saying I'm perfect at it. Anyone here keep separate envelopes for bills too, or do you just do the spending categories?