Chances are, by now, you have heard about the Cash Envelope System. Especially if you have ever heard of Dave Ramsey.
I have been using cash envelopes now for several years, and to be honest, I cannot remember when I started. I know I began budgeting when I was 10 years old. Yes, you read that right! I only wish I had the concept of cash envelopes then. When I did start using a cash envelope system later in my adult years, it really made my life much easier.