Re: After credit card debt then what?
Well, I started budgeting using the old fashioned envelope system many years ago. When I pay my bills, I put the amount of the money I owe in my checking account to cover the checks. I never put in anything extra except the money I accumulate to pay the once a year house insurance and house property tax.
So if I used a debit card or ATM, there would not be any money in there. I always keep a little extra cash in my misc. envelope and of course, in an emergency, I have several money market and savings accounts locally.
I tried putting my husband check in the checking acct. and just tracking everything on paper, but that didn't work for me. I had to go back to the old fashioned "money in each envelope" system.
Do you know what I am talking about?
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