Christina Ellis

So it's easy to be like, okay, it's just five extra dollars a day.

No big deal.

But at $5 a day, that's $1,825 a year.

Just five dollars a day.

Just a careless little five dollars is almost two thousand bucks in a year.

And if it's twenty seven dollars a day, which is easy to do with kids, if you run through Chick-fil-A and get everybody meals like twenty seven bucks easy.

That's ten thousand dollars a year.

Ten thousand dollars just gone.

And so it's really important to get a handle on this, especially, you know, with our family.

We're like, we've got some big money goals, so we really want to keep this tight.

to spend right so a lot of people avoid the budget because they know that they're out of control and they're like i don't want to feel restricted i don't want to do the budget but it's like you can actually carve out that space so that you don't have to feel guilty you can go to chick-fil-a and enjoy it now that being said like even if it's in the budget that doesn't mean you want to use your whole budget in the first two weeks of them that's right that's right be strategic and to do that it's helpful to use cash so that is a big thing for us especially since no spend we have gone back to the envelope system i know that's like og ramsey um

Like it works.

The pain of like handing over physical cash.

Like it's a thing.

It is a like there are studies, psychological studies about how your brain treats that differently.

Whenever you just swipe a debit card, then it's like you don't feel that attachment to your money going away.

But it's like when you have to hand the cash over and you don't get it back, you're like, oh.

And then also you can just look in your envelope and go, OK, I don't.

I don't have anything left.

I can't spend more money.