Last month, I never made it to the bank to fill up my envelopes.
We wrote our zero-balance budget as usual. I paid bills online. I exported our account data into Quicken weekly.
The only thing missing was cash.
At the grocery, I swiped my debit card. I never counted extra bills to cover that extra bag. At the thrift store, I splurged on white hotel towels, vaguely wondering how much remained in that category online.
I stuffed receipts into the back of my wallet, never to see the light of day.
Simple! Clutter-free! Quick! A girl could get used to this.
But not her budget.
By the 4th week, I had eaten through all my virtual margin. I calculated 20% higher spending during a month when I usually tighten the belt.
All without feeling so much as a pinch.
Tomorrow, I'll share the tool that's helping me get back on track.
In the meantime, I'd love to hear your methods of keeping spending in check. How do you make those purchases register before you see that month-end statement?