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Money and Finances
Reply to "Trying Cash Only Plan"
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[quote=Anonymous][quote=Anonymous]Try a program called You Need a Budget (YNAB). It is essentially the envelope system, but it is a computer program and app, linked in the cloud, so you can enter and categorize your transactions and check how much money you have in each "envelope" as you go about your day. Your categories (or envelopes) wouldn't be "Sam's Club" but Groceries, or/and "Household goods." When you get your paycheck you allocate every single dollar of it to a category, including things like emergency fund, discretionary, whatever, and then you know how much you have. You can move money from one category to another if you need to. It has kept my family in the green for about a year now, and we always struggled. A real keeper![/quote] A friend of mine used that program and really embraced it. She says you have to get in the habit of looking at your bank account through YNAB and not just logging in to your bank's online account.[/quote]
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