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Originally Posted by lazumoon
Are you dave ramsey fans? Or just the good old common sense type? I have been trying to do the envelope thing for years and I can never make it work, except for like "extras" or gas.
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I have yet to read any of his books (I'm on the waiting list to check it out from the library though, number 45 or something like that,lol). We started doing the envelope thing at the beginning of this year (fresh start I suppose!) We have envelopes for: food, cats (cat food/litter), gas, Bath/Body products, Misc., ds's swim lessons..hmm I think that's all the envelopes. We have finally set up our finances so that for example, all money made in January, went into the bank to feed February's living expenses. So right now, all the money we're making in March, is going to feed April. It's an amazing amount of less stress. In order to start doing this, we borrowed money from my Mom to get us ahead (we'd already borrowed $$ from her for my sister's wedding, so we just added it to our tally,ugh). But now that we're doing it, we plan better, we know where the money is going better, and we aren't as stressed about it.
I like the envelopes, they work well.
