These days, when I shop, I only spend cash. And, knowing how much I have available in each budget category is difficult. Especially when I keep all of the cash together in my wallet.
To solve this problem, I use colored paper clips to organize my cash. It very similar to the envelope system. I just assign a color to each category. Now I can see at a glance how much I have to spend. Example: A red paper clip signifies how much money I have available to spend on groceries and a green paper clip shows how much is remaining in my clothing budget.
It also makes me think twice when I’m tempted to overspend and borrow from another category. Mary Beth