Envelope System

Dear Life,

So we've been budgetting since November. That would make this our sixth month. We started out by continuing to use our debit cards and logging every purchase on a spreadsheet. It was a total pain. Now we are using cash for everything except bills. I thought it would be awful... but it is so very wonderful. Makes things so easy. Plus I got this cutesie money organizer from etsy and it makes Dave Ramsy's envelope system that much easier. Seriously.

It was hard when we started. I mean... really hard. We were budgetting almost every penny to our monthly expenses and saving very little.

BUT... here we are six months later and we are doing a little happy dance because we finally feel like we have a system. A very liveable, workable system. We have enough for our expenses each month and often have some leftover in our grocery fund or entertainment fund or whatever that can carry over to the next month. We are saving a very reasonable chunk of our income. We are not fighting about money. We are not stressed about money. We are not letting money control us. And it is awesome.


That's all.

Sincerely Yours,
Molly