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Honestly, I think the cash envelope method is way better than any budgeting app
Ngl, I tried YNAB for 6 months but still overspent. Switched to physical cash for groceries and fun money, and saved $200 last month because seeing the money leave my wallet actually hurt. Anyone else find apps just make it too easy to cheat?
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nguyen.blake10d ago
Tell me about it, my wallet's on a serious diet now.
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ray_williams11d ago
Totally agree. The physical barrier is real. Apps just turn money into abstract numbers you can shuffle around. With cash, when that last twenty is gone, you're done. It forces a different kind of discipline.
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murphy.tessa10d ago
My gym switched to a card-only system last year, and I swear my monthly spending there went up by like 30 bucks without me even feeling it. It's exactly what you're saying, @ray_williams. That physical limit of cash makes you pause before buying a smoothie or another session. Now it's just a quick tap and the real cost gets buried in a statement later.
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