I perused a few blogs and I came across multiple that said they were able to pay off their debts by doing a system called "enveloping". It's really simple: You fill out envelopes and on pay day you put cash into each one and use cash only. Once it's gone it's gone.
I'm going to try this this year, with a little twist. I will be paying all our bills (credit card, car, insurance, phone..etc) online because it's just so much easier. BUT for play money, gas money, food money I will be taking out the cash and using an envelope.
One blog I read suggested making a coupon organizer for yourself. I am just not that crafty, so I went to Wal-mart and bought one for $5.
- Family Play
- Sarah Play
- Gas Week 1
- Gas Week 2
- Food Week 1
- Food Week 2
- Store Cards (the loyalty cards, this way they are out of my wallet and in a convenient place)
- Coupons (I'm not a huge coupon clipper, but every once in a while I will use them)