As you all know, the united States is in a change shortage (which I think is bullshit but okay). Problem for me is, I use the cash envelopes budget system. I like it because I can’t dip into one budgeted expense because I overspent in another when I use plastic. Before COVID, I had no problem paying cash for things like clothing, car repairs, etc. But now, I get a tinge of guilt when I hand the barista a five dollar bill for a three dollar & change coffee. Also doesn’t help I use change for tolls, so I kinda need to use cash at stores for this reason.
I’ve tried digital envelope systems, and they don’t really work for me. I end up doing the mental calculation game and it’s been throwing my budgets off. A couple of months ago, I carried a balance on my credit cards (GASP) because of the mental misappropriation. I use a zero sum budget too, which doesn’t necessarily help.
I still take out cash for my envelopes, but I don’t know if that’s the best method. I hand write my budget, but in this growing cashless world, maybe I’m going to have to use a digital budget. I really don’t like YNAB – I lean more towards Everydollar. Does anyone have any suggestions?