Envelope system

The plan for the month of February is to use the Dave Ramsey envelope system. I think we are going to just use the system for the categories we most often overspend. So we will have one for groceries, household items and spending money.

I think this will help us the most. We are going to sit down tonight and do a zero dollar budget. This way any money going to pay down debt and money going in to savings will be moved there at the beginning of the month instead of waiting until the end of the month to see if anything is left.

The old system of waiting to see what was left is pretty easy way to never save any money.

So now we will have a plan, have a way to enact the plan and have every hope that we will be able to get into better shape financially.