[trillium]

I like the mvelopes idea. The whole envelope thing is new to me personally, but I remember growing up watching my grandmother do the very same thing. She'd deposit her paycheck, write the checks for the bills (she didn't believe in credit cards or atms), withdraw a certain amount of cash to live on for the week (grocery and other needs), and track her entire balance on the envelope she kept in her purse. Any extra money in the envelope at the end of the week and she'd put the money back into the bank with her next paycheck deposit. Rinse and repeat. If we'd only had been taught by our ancestors how to manage money!

I'm the crazy one in the family.. I know I didn't subscribe to the whole budget thing over night, nor did I jump on the band wagon of zero-budget, etc. Perhaps I expect to much, yet he proposes wild ideas of what we can do with all that extra $$$ when we get there. I've tried to explain to him what we will do with it (save! save! save!) - but I get the proverbial (no pun intended) dear in the headlights look....