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But then DON’T use the debit card just because you know that reserve is there keep it RESERVED, hello, for just the type of circumstance we’re talking about. Don’t withdraw ALL of what you’ve set aside in each category then the occasional use of the debit card will not put you into the red. So another thought is to leave some of the budget in the bank. But he still might run out and you have plenty left, or vice-versa.
One possibility is to split up the cash so that he carries some and you carry some. There are a couple of ways to handle this. Actually, more on that in #3 - let’s keep this one aimed at the hubby for now, because in my family this is a real issue, lol. Hopefully someday… 2) The hubby forgets to get cash before he leaves the house and then spends with the debit card.īecause WE would never do this, would we? Um. The BEST solution would be to get to the point of living on last month’s income. Because then the money for the upcoming month would already be in the bank, and you could withdraw it any time beforehand and set it aside until the start of the month you need it. This is not ideal - because you may spend more with the debit card than you would have with cash - but it can be a step in the right direction. But I’m beginning to think that being cash-only is a goal worthy enough to make a special trip - so that will probably be how I handle it.Īnother option would be to just use the debit card for the first few days of the month and then subtract whatever you’ve already spent from the amount of cash you withdraw when you finally do get to the bank. This is probably my biggest issue, actually! I don’t drive by there super often, and I’m all about staying home as much as possible. Common Problems with the Cash Envelope System - and what to do about them! 1) Not getting to the bank to get the cash out.
#Cash envelope categories list how to#
You can see it here: How to Make and Use Cash Envelopes for Budgeting. So today I want to discuss some of the common issues with the cash envelope system and some possible ways to solve them. If we’re honest, the issues aren’t really flaws with the system itself, but are probably more a result of, well, let’s just call it “operator error,” shall we? :-) So let’s see if we can come up with ways to change our behavior so that this system will work for us.īTW, I’ve already written a post on how to MAKE cash envelopes. No system will ever be totally perfect all the time, but ironing out the wrinkles in this one means we’ll be that much closer to getting rid of financial frustration for good! And I’m all for that, aren’t you? But I keep coming back to it as the best way to maintain control of our budget, in spite of its flaws.
1.Have you tried using the cash envelope system and given up because it was not successful for you? I feel ya we personally have started and stopped MANY times. Hint: going on a cash envelope system will help transition from credit card to cash-only living.
#Cash envelope categories list free#
This section is all about free horizontal cash envelopes you can use for your budgeting system. Whether you want vertical cash envelopes or horizontal cash envelopes is really a preference thing. I’m going to give you a variety of free printable envelopes with different traits from the list above. Tweaking a personal budgeting method as you go? Is one of my favorite budgeting tips for beginners to give.
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No worries if you don’t know what will work for you yet, because you can just download a new, free set and tweak your system as you go.
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