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Switched from spreadsheets to a cash envelope system after a rough March in Austin
I was tracking every dollar in a spreadsheet for like 2 years but still kept overspending on food and random stuff. Finally tried the cash envelope thing last month, pulled out $400 for groceries and $200 for eating out, and when the cash was gone it was gone. I actually stuck to my budget for the first time, saved about $150 extra without even trying. Has anyone else found that physical cash just hits different than watching a number go down?
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