[1DebtFriend]

It's fun to watch people help each other in getting out of one of the most stressful things in our lives...Debt!
Across America, the average american spends 2.5% more than they make...why?
We are a very materialistic society but most importantly, we are so busy trying to make money, that we forget to track our money.
I have asked thousands of people if they know where they spent their money...less than 10 out of every thousand I asked could answer this question with confidence.
There is not 1 company in the world that doesn't have an accounting department...why? To track their income and spending...stay in control of their money!
Households need to start thinking like a company or self made millionaires and track thier spending. It has been amazing for me to watch how different people lives are once they do start seeing where every dollar goes and be able to have fun allocating the money where they want....debt, savings, vacations, etc...
The challenge I have with an envelope system is that you are putting quite a bit of money (cash) in envelopes. That scares me just in the fact that if it gets stolen (knock on wood) but I have noticed that cash burns holes in peoples pockets many times...if you are having a hard time with spending...you don't want to put money in their hands or it's as good as gone.
The challenge I have also had with quickbooks, quicken,budget planners, etc...is they are too hard. They rely on you creating a spending plan (which loses most people) then it relies on you after a hard day at work sitting down and becoming a data entry clerk entering receipts...there's the rub!
You need to find a product that really fits within your daily reality...that is key or else like most diets...it get's old really quick and you never get to it.

Good luck. PLease let me know if there is anything I can do to help.
Have a great day!
Eric