About 14 months ago, I was urged by a friend to get rid of my debt. As I'm nearing the completion of that task, I am a bit floored by the seemingly simple, but quite powerful system that I implemented . . .
Envelopes.
Yep, mine are ivory colored, #10-sized, and now have a bunch of writing on them. They (the eight of them) are clipped together and have the monthly budget intertwined (figuratively and literally) with them.
They come with one main rule - when the money is gone . . . it is gone.
Simple, Silly, Seeming Stupid, but Ingenious.
Via these envelopes, I'm able to (a) say no to other items at Target and Home Depot (b) be creative with substitutions of things that we "have to have" and (c) reduce the amount of debt from High to Zero.
I'm sure that there are other things in life - other seemingly simple, but powerful things - that could be implemented to make positive changes in life.
Now, just to find those. . .