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Realized I was doing my cash envelopes all wrong after a trip to the hardware store
I've been using the envelope system for years, but I was just stuffing cash in them with no real plan. Last Tuesday at Ace Hardware, I needed a new shovel head that cost $42, but my 'tools' envelope only had $17 in it. I had to pull from my 'groceries' money and it messed up my whole week. It hit me that I wasn't actually budgeting, I was just moving cash around. How do you guys set your envelope amounts so you don't run short?
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drew_jenkins547mo ago
Honestly it's just cash in envelopes, not a heart surgery. Sometimes you gotta move money around, that's life. The whole point is having the cash there to move, right? Getting too strict with it seems like a fast track to stressing over every little thing. Maybe just having the envelopes is doing more than most people do anyway.
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susandixon7mo ago
Totally agree with drew_jenkins54. My envelopes are a complete mess by the end of the month. I'll pull from groceries to cover gas if I need to, then maybe shift some fun money back later. The system works because it's flexible. If I had to track every single dollar perfectly I'd just give up. Having the cash set aside at all is the win.
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