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Haven't always complaint about your iabilities? what you need is the cash envelope system! Who uses cash? People whpo with money do! The way your grandma handles money still works in today's culture of swiping credit cards! The 12 pack cash envelope system is a key component to getting out of debt, staying out of debt, and financial freedom. Budget guide: 1.Budget your paycheck down to the last penny. 2.Decide which categories to spend in cash. Ex. Groceries, Entertainment, Clothing, Gas, Pocket Money, etc. Bills and Automatic Withdrawals are probably not suited best for the cash envelopes. 3.Fill up your envelopes! After you've categorized your cash expenses, fill each envelope with the money allotted in your budget. 4.Spend what you have. Once your cash in that envelope is gone, it is gone until next month or pay cycle. This will help you stay on track and stay in budget! 5.Don't give up! It will take time to fine tune your budget and your envelope system. Give it a few months and don't be too hard on yourself. Budget Keeper Cash Envelopes could be your first step to financial peace and freedom!