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Showerthought: the $60 I dropped on a "budget binder" system lasted about 3 weeks
So about 4 months ago I got it in my head that I needed a fancy budgeting binder to finally get my spending in order. Spent $60 on the whole setup at a Staples in Columbus, the leather cover, the pre-printed monthly tabs, a pack of those little cash envelope inserts. I filled it all out the first Sunday, felt pretty good about myself, and then it sat in my desk drawer by the third week. The problem is the cash thing. I never carry cash, so every envelope stayed empty and the binder just turned into a thing I flipped past. I ended up back on a free spreadsheet that takes me 10 minutes on the 1st of each month and does the math for me. Honestly the $60 stings less than the two Sundays I lost filling out tabs for categories I don't even have. Curious if anyone here still uses cash envelopes and how you make it stick when most bills are auto-pay?
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