I’ve be using a cash envelopes budget system for nearly 10 years now and it has been life changing.
Before using my envelopes, I solely used credit and debit cards. The problem was I always seemed to run out of money and could never keep up on my budget.
The temptation to buy stuff was always lingering and burning big holes in my pocket. I'd buy whatever I wanted, whenever I wanted. Just put it on the card and make the payments. Sound familiar?
When I decided to get serious about paying off debt was when I switched to using envelopes, it has a lot to do with why I was successful and can stick to a budget.