So it is no secret that we have debt. We have student loans, credit cards and a car loan. We have been rapidly paying off serious amounts of debt, although when we had Samson that 4000 medical bill set us back a bit. This paycheck we decided to try to use only cash for everything (except what is on autopay). I made a list of everything on autopay. Then I make a budget. Anything I will need to spend money on is on the list. I then label envelopes with the categories; groceries, eating out, haircuts, coffee, gifts, lunch money and gas money. I should add to that Casey and I get allowance every month which is how I buy makeup and needless shoes... The cash envelope system is promoted by Dave Ramsey to decrease your spending. I have only been doing it for two days and it works. Casey and I celebrated our three year wedding anniversary by going out to sushi. So we went to the restaurant and we ordered less. We even substituted rice and miso sause for expensive sushi. We only got one roll each. How funny is that? Normally we spend way more but knowing we were on a budget helped. Then today after church we wanted churchs chicken and after I handed the guy the cash Casey and I were both like ouch. It maks me feel so secure knowing we have enough in the bank to pay the bills because I have already taken out the money. I feel in control. So how do you do your budget? Or do you just go with it?
mother in law make me something similar to these ADORABLE etsy money envelopes.