My Digital Envelope System

When I started using the envelope system to get out of debt years ago I struggled a lot. Conceptually the envelope system is very easy to grasp and use, however it was a lot harder for me to succeed with it in the real world. Where do I put 6 envelopes full of cash? Don’t forget to stuff them! Who’s got the envelope I need anyway? What about online purchases? These are a few of the challenges addressed by my (free) digital envelope system.

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How Technology Undermines Your Budgets Success

So you’re finally giving this budget thing a real shot. Good for you! But, wait! Before using that spreadsheet or logging onto that helpful website, consider this: There is a lot more to successful budgeting than addition and subtraction. Spreadsheets and personal finance websites are not the right tool. At least not at first. Now, [...]

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