569 – 238 – 2016-08-22

Cheryl, you are probably aware of the good ole fashion Envelope system of budgeting. When you get paid, take out of your bank enough cash to fund your envelopes (ex. groceries, gas for the car, entertainment, miscellaneous, etc.) and keep the rest in the bank for your bills and savings (ex. rent/mortgage, utilities, tithing, debt repayment, etc.). When you run out of money in the cash envelope, stop spending or take money from one of the other envelopes until your next payday. Perhaps a simple system like this will help you “translate the paper into the physical.”