I've been trying really hard to stick to the envelope system and am having troubles with it working for me. I think I'm going to quit using it except for certain things, car maintance, clothes, babysitting, going out, but for things like eating out, misc, groceries etc I think I'm going to use debt. I'll still set my limits and write down what I spend but its starting to be a pain splitting up the money trying to split a 20 into 5s so I can fill an envelope. I don't have time to get into the bank to get the proper bills, hopefully this doesn't completely ruin my efferts and send me back into crazy spending! But its just getting a little to easy to spend those twenties, I'm homing it'll be easier to say no to swiping the debit card. Has anyone else tried and given up on the envelope system?
Giving up on the envelope system?
April 14th, 2011 at 04:38 pm