Envelope System Without Cash

So you tried the envelope system… Maybe you even felt that little spark of motivation at the beginning. “This is it. This is the thing that’s finally going to fix my money.” And then… A few days later, it starts slipping. You forget to track.You overspend “just this once.”You stop checking your categories. And suddenly,…

How are you supposed to follow the envelope system… when you don’t even use cash anymore? That’s the part nobody really talks about. Because yeah—the traditional method sounds great. Put money in envelopes. Spend only what’s inside. Done. But in real life? You’re tapping your card. Paying online. Subscriptions are running in the background like…