I'm thinking of cracking down, setting a budget and using the envelope system. Dave is currently having a sale and I can get the "wallet" for only $10. There are few different styles so I have no clue which one to get. Is it worth it to do this? How easy is it to stick to?
have you read My Total Money Makeover? We do a budget, use cash envelopes. I just got my cash from the bank yesterday, in fact. Check out www.mytmmo.com. I think you can do a free 2 week trial. I was (and still am) a member over there as we made it through baby steps 1-2-3 and it was a GREAT source of info and motivation.
Read it twice actually! I'm ready for something new. Since we just paid off most of our debt I would really like to buckle down and start saving again for our down payment and watch what I'm spending.
Very interesting I just checked out the website. Hmmm... It's a week free trial but if I sign up now they are offering some of the stuff for free. If I wait they are offering a smaller selection of stuff for free. If I do the free trial now then by the time I get paid by PC I'll have more money in my account. What to do... I really wasn't budgetting for this but I know it will be a good investment!
We paid off over $30,000 in debt (cars, bills, misc) and saved thousands in our "emergency fund" while on the program last year. I have been off the system for a few months and am ready to get back on the bus...the $19.95 Wallet System is GREAT (and on sale for $10)! I got the TMM Book and Wallet System for my adult children, too. Great gifts!
I use the cash wallet from the Dave Ramsey stuff. I have the red deluxe one. I love it!! It is soooo easy to use and keep up with!