I’ve said many times before, it is really best to use cash for everything. When you use cash, you tend to be more accountable for your spending, you can see what you are buying and you really think twice before you spend! One easy way to help you is through the envelope system. You can create your own, or you can purchaes one.
Dave Ramsey actually has the BEST envelope/wallet systems. I personally use this red one pictured below and love it. I have a place for everything and still keep my cash in each envlope. (Don’t worry – if you don’t know what I mean by envelopes – you will learn in a few weeks).
In fact, today is a great day to get one as his systems are 50% off! They are normally $19.95, but are only $10.00 right now. Shipping is only $4.95 – so you are still saving money in the end. If you want to help keep your budget on track and utilize this sytem, you might want to consider one of these.
Oh — and use the code MORE at checkout and get the book “More Than Enough” for FREE — a $14.95 value. I really love his products and using them helps me stay on track with our debt free and cash budget lifestlye!