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Reply to "Anybody use the "envelope system"?"
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[quote=Anonymous]PP, YNAB is great for exactly the reasons you mention - it is like the envelope system, but allows you to use your cards. We did the cash system for a while but it didn't help us with all the things we needed to be accounting for, all the bills you pay only quarterly, or planning for Christmas, or buying gas with a credit card. YNAB has saved our financial solvency. It isn't the most intuitive software, but still worth it.[/quote]
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