We have always done fairly well with making a budget and sticking to it most months, but this last month we decided to incorporate another element of Dave Ramsey's plan. We wanted to see if it would make a difference if we started doing the envelope system. I was hesitant at first, but I have to say, I LOVED it! We took out cash at the beginning of the month for the 3 categories we have the most control over... groceries, restaurants, and miscellaneous. I found myself planning a lot better and thinking more about the month as a whole before I spent money. It makes a big difference to me psychologically to hand over cash for something rather than just swiping my debit card. We ended up with $5.00 left over at the end of the month so I would say it was a success!
Sometimes I get to feeling down about all the budget stuff, but I have to keep reminding myself that a budget is useless unless you stick to it. I know we won't have to do this forever, but for now it seems to be helping my mindset. Can't wait to see how month #2 goes!
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