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Showerthought: my brother in law told me to stop tracking every penny and just do a weekly $50 cash envelope, and I fought him on it for a month
He said sitting down with a spreadsheet every night was making me spend more because I'd get lazy and guess instead of check, and after two weeks of the envelope I actually had $140 left over, which never happened before, so now I'm wondering if anyone else ditched the daily tracking for something simpler and stuck with it.
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lisab3211d ago
Honestly the thing that finally worked for me was just moving my fun money to a separate account and only checking it once a week. I used to open my banking app like five times a day and it made me stressed and weird about small stuff, like I'd skip a $4 coffee then blow $60 on takeout because I felt deprived. Now I pull $120 out every Monday for gas, food, whatever, and when it's gone it's gone. Tbh it's not perfect but I've stopped guessing and I actually save more because I'm not lying to myself in a spreadsheet every night.
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