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Put only your budgeted amount of CASH money for things such as eating out or seeing movies in an envelope. Make an envelop for each category such as groceries, gas, etc. When the cash is gone, you are done. Paying with cash shifts our emotions and makes it harder to over spend.
envelop idea from Dave Ramsey Financial peace University
I took Dave Ramsey's Financial Peace University class and one big change I finally made is to pay cash as much as I can. Really, it hurts when you pay cash mentally. So I really avoid spending cash and if I must, I often ask myself - do I really need this? I end up spending less and I think I've saved myself $200 so far in 10 days for not wanting to part way with my hard earned money.
Our family has enrolled in Financial Peace University.
Husband and I and 4 of our 6 kids ( the other two live out of state) have recently enrolled in Dave Ramsey's Financial Peace University offered at the church we attend. We hope to be able to encourage each other and build good money strategies that will equip us all for life!
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