Snaps, the envelope system is very easy to use and it’s saved us a good deal of money.
Everyone is different but here’s how we do it.
We use literal envelopes though some people use separate bank accounts or software that separates money into categories.
Into our envelopes, labeled “food”, “gas”, “laundry”, and “entertainment” we put a set amount of cash every time I get paid.
We also have envelopes for DH’s business and money that comes into his business funds those.
It’s kept in the envelope until there’s enough to cover the bill/expense then it gets deposited into the checking account and a check is written for that bill/expense.
I get paid every two weeks so when I get paid I put $100 for food, $25 for laundry, etc into the appropriate envelope.
When the money in that envelope is gone, there’s no more spending in that category until the next pay period.
A lot of people move money around in their envelopes to cover a shortage here or an overage there but we don’t.
We just use what’s there and no more.
Denise On 6/15/08, “snapdragonns” <”snapdragonns”

You may fing this interesting…
Most borrowers know a late payment or high outstanding balance can hurt their credit.
But what about frequenting a massage parlor, retreading a tire, or visiting a marriage counselor? Such activities count, too, according to a suit filed by the Federal Trade Commission in federal court in Atlanta on June 10 against card issuer CompuCredit.
Life’s journey is not to arrive at the grave safely in a well-preserved body, but rather to skid in sideways, totally worn out, shouting “….what a ride!”