How to Organize Cash Envelopes using Dave Ramsey’s Financial Peace University

Germaine and I have been using cash envelopes for over a decade and we absolutely love the control it gives us over our money. I can clearly remember when we decided to start using envelopes to manage our cash. It was around the same time we decided to cancel our credit cards. The fear that gripped me when we cut up our credit card was scary, but it was one of the best financial decisions we’ve ever made. Over a decade later I realize I’d been swayed into believing I had to have a credit card to be considered normal, to pay for things and for have in case of emergencies. That was so far from the truth. The financial freedom that came from learning [Click here to continue reading]