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There are a few things that I don’t spend money on. I just don’t find value in these things. A few are things of convenience. And most I feel I can do myself, or just plain do without. Things I don’t spend money on Hair cuts I know a lot of people may disagree with me on this one. But I don’t actually value the work that a hairdresser does. My mum always cut my hair. And my brother’s hair, my dad’s hair, my grandpa’s hair, my cousin's hair. You get the picture. I always had long hair so it [...]

We have been using the cash envelope system for one month now and it’s time to tally everything up to see how we did. Unfortunately, we used most of the money set aside. Which is actually ok, because it was set aside for a certain purpose. I am keeping track of how much is left at the end of each month, assuming we are going to continue with this method for a while. For me, I like the idea of trying to have more and more left over each month. Cash Envelope balances at the end of month one Groceries [...]