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
Interesting! I’ll have to give it a try.