Cash provides a "limit".
Have you ever hit the limit on a credit card and been mystified why you were declined?
Perhaps you had been doing what every credit card company wants and burying your head in the sand, paying minimum payments, mumbling about an upcoming bonus, tax return or other optimistic windfall to act as a substitute for personal responsibility.
I sure did.
Cash in an envelope has been our families' most liberating financial decision - not just "when it's gone, it's gone" - but when you're cruising and doing well, you get a real charge out of digging through your envelopes and realize you're at a surplus.
As you're reading through Total Money Makeover and implementing - look through your bank statements, look through your credit card statements.
Have you been telling your money where to go or wondering where it went?
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