One way some people use to budget their money is the Envelope System. Once you decide a monthly amount for various areas of your budget, you put that amount of cash in labeled envelopes. When the envelope is empty, you are done spending in that area for the month or need to borrow from other envelopes. But, if borrowing from other envelopes you are reducing the amount you can spend in that area.

Dave Ramsey has his Envelope systems on sale for half price thru August 20. The starter system is on sale for $9.

This may be an idea to try if you are having a difficult time sticking to your budgeted amounts. Some areas that people use the envelope system for are groceries, dining out, clothing and entertainment.

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Nancy Kvamme

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