Have you ever considered using cash budgeting envelopes rather than using your debit/ATM card? Are you trying to cut back on the use of credit cards, or track and budget your monthly expenditures more effectively? Go HERE for an article on how to use cash budgeting envelopes and the file to print out your own.Crazy as it may sound to some, the cash envelope really does work! Several years ago, my husband and I took a serious look at our budget and decided that we were going to pay cash for everything and keep very close tabs on exactly how we were spending our money - right down to the last penny! We were surprised to learn how ineffectively we were managing our budget. We actually used a cash envelope system similar to the one found HERE at Today's Nest. Check it out and give it a try!
