4 ms·

I've actually moved away from using electronic transations exclusively to using them only for receiving my pay, paying bills, and online shopping. Every pay, I

I've actually moved away from using electronic transations exclusively to using them only for receiving my pay, paying bills, and online shopping. Every pay, I withdraw the cash I've allocated for various things (food, fun, photography, gas, etc.) and put it in labeled envelopes. It keeps me much more honest. When the envelope is empty, I just don't do that thing anymore.

heresy 16y ago
Using a debit card with the PocketMoney iPhone app keeps me honest. I know as soon as I've bought something if I've blown the budget. And for some reason, debit card feels more like "real money" than the credit card with its elastic limit.