The envelope method
So I've been thinking about converting to the cash envelope method. Current I pay for pretty much everything with my debit card and I'm unfortunately miserable at keeping my check book balanced so I often end up with less money than I think I have before my next pay check is due in so things like groceries and gas may need to be conserved to make sure I make it through to the next check. I'm wondering how people actually start to do the envelope system. A majority of my bills are currently paid online - with either auto deductions, scheduled check payments and transfers or with my debit card online but there are things - like groceries and gas and entertainment and other things that I'd like to start paying for using the envelope system. Should I convert everything to cash (except the automatic deductions which I actually can't cancel) and personal checks (which I'm more likely to keep track of) and cash? I don't know if this is relevant but I have direct deposit on my pay checks. How do you use your money envelopes? How do you keep yourself accountable for your money? I really need some help with this since I'm moving at the end of the month to an apartment that costs a little more and has more bills so I need to be a lot better with my money so that I don't end up late or short on my rent or bills.