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Money and Finances
Reply to "Developing the discipline to stop spending -- I need tips"
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[quote=Anonymous]We started using YNAB a few months ago, and it has saved us - really. We have saved the $60 a couple times over. We do best on the envelope cash system, but that doesn't work for bills and gas and the things you want to use your debit or credit card for. YNAB is essentially using the envelope system for everything, even savings and long term goals. Before we spend anything we check the "envelope" on our smartphones to see how much we have left for that category. No more money? No more spending. I have been using Mint for years, and that is great to get an overall picture of where money is going, but it isn't a tool for day-to-day self control, which is what we needed.[/quote]
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