Withdraw cash for each spending category at the start of the month. Put it in labeled envelopes. When the envelope is empty, spending in that category stops.
Overspenders who find it too easy to swipe a card. Physical cash feels real in a way digital money doesn't.
Identify your variable spending categories: groceries, gas, dining, entertainment.
Set a monthly budget for each. Withdraw that total in cash.
Divide cash into labeled envelopes for each category.
Only spend from the correct envelope. When it's empty, that category is done for the month.