To the Dark Side

I don't know why, but this week I felt compelled to not only put a budget on paper, but to also start funding envelopes with cash instead of just using my debit card. I think it was having my family visit me for a few days that made me realize that sometimes I really do just whip out the debit card and pay for stuff without really thinking it through. I always do the quick, "Do I have the cash in my account for this" thought, but I never really consider where I am in the budget for it.

This is the one area of "Dave" where I have be very resistant. In fact, I traded in my Toyota before I even considered going to envelopes, so that speaks volumes.

I have the envelopes and I am ready to go, but now I am afraid to spend any of the money. Maybe this will work after all!