Reddit mentions: The best pay & expense mailing envelopes

I agree, I think she follows very much in line with Dave and I think you are right in her success being from the Baby Steps. I love Dave and am so thankful I found his plan to get me inspired to change but I also like watching other people bring their own ideas to the table of what works for them. Her paycheck budget worksheet and her highlighting method have been super helpful as I am a visual person. Every dollar app is great and all but I like writing things out and seeing it on paper.

I linked the wallet that I bought myself which is cheaper than others I have researched. I love it...I think it comes in black and navy as well as the red.

All-in-One Cash Envelopes Wallet with 12 Budget Envelopes & Budget Sheets - Red https://www.amazon.com/dp/B07VZP184G/ref=cm_sw_r_cp_api_i_6UOMDbPVW4Z6M

Yes, I still do! But I do not carry the cash with me. I keep them at home in their respective categories. When it is time to use them or purchase, I use my credit card for everything (points). Then I just deposit the money and pay the bills same day or next day (point is not carry any balance, cc paid in full each month).



I use this envelope: Budget envelope. However I use the BLUE one not red. And I got mine from ebay which is cheaper than amazon.



Whatever works works, that is why it is called Personal Finance.

1. It might help to ask your some friends/parents/relatives about goals you should be thinking of. Might spur some ideas. Make a list of what you want life to be like in 5-10 years. I'd imagine some of those will pop out at you as a goal. Or make three columns with what you want within 2-3 years (Short Term Goals), 5-7 years (Medium Term Goals), and 10+ years (Long Term Goals).
   
   
2. Trade it in for a cheaper used car. I'm not a car guy, I don't understand the need to "love" a car (not a ding on you, I'm just saying cars are something I use to get from A to B). You could at least get a new used car and maybe some cash in hand. Dealers will typically give you more value for your car if you trade it in as opposed to sell it.
   
   
3. Sit down with your girlfriend and make a list of living expenses that you guys each take on or share. You might want to use something like Mint.com or a DIY spreadsheet. Get a book from amazon or your library on budgeting, maybe you and your girlfriend could read it together.
   
   I would set up automatic transfers from your checking account to a high yield savings account. This can at least start your emergency fund and that way the money is "gone" right off the bat, you're not waiting until the end of the month to save whatever is left, or at worst, see it as mad money (you go mad with it). You could set up a couple accounts/investments based on the goal to have the money go towards.
   
   Studies have shown that people typically spend less when they use cash as opposed to cards. The fact that you're seeing the physical money be used makes you more hesitant to spend as opposed to it being more passive with a card. If you think that would help, you can try something like these money envelopes. Obviously you could do your own too, but you get the idea.
   
   
4. Your situation does not sound that special, maybe you need to work on your Google-Fu, but these are questions a lot of young people have. I would not hire a financial adviser for these types of questions, the money would be better spend elsewhere. Have you seen...(THUNDER CLAP)...THE CHART!

Could it be a budget system, like this? https://www.amazon.com/None-Budget-Envelopes-Red-Cover/dp/B00H8GBQ6Q

https://www.amazon.com/SpendVelope-Envelope-Budget-System/dp/B0065BAO4U