Manage your income and expenses.Avoid overdraft fees, unexpected shortages, the minimum payment treadmill, and that sinking dread when you realize you actually couldn’t afford to go out.
You put money into the envelopes at payday, and take it out as you spend. An envelope can represent anything — a bank account, money set aside for groceries, or the cash you’re saving to buy that new Android phone off-contract. Think of a cheque book, only more flexible.