I tried the cash envelope thing for 3 weeks and ended up spending MORE, am I doing it wrong?
I pulled out $300 in cash for groceries and gas in Austin and somehow burned through it by day 9, then just went back to my card like nothing happened. My partner says envelopes only work if you actually stop when the cash runs out, but I keep seeing people swear by them. Is it the method or is it me?
Man, this is the same trap as gym memberships and meal kits, the tool only works if you actually change your behavior and most of us just don't. Your partner nailed it, the envelopes aren't magic, they just make it harder to lie to yourself about where the money went.