I just finished using cash envelopes for two weeks, as I mentioned previously. This experiment was really helpful for me. I was much more aware of what I was spending and really thought about things before I let go of the money. I did have a few missteps. I forgot to bring cash with me once, so I resorted to the debit card. I did pull cash out of the envelope in the same amount, though, so that I could keep track of all money spent. I also went to a happy hour after work for a coworker, and used the debit card then as well, because I had no cash.

It was hard for me to remember that I would need to bring cash with me. I am so used to using the debit card for every purchase. I'm sure once I get more used to this, I won't have that problem.

I came in significantly under budget and still had $176 left in the envelopes at the end. I'm using that surplus in this next budget period, meaning I didn't have to pull out as much cash from my account today. Eventually, I'm hoping I can apply the surplus to my savings instead.

So, I'm ready for round 2 starting today.