The envelope system debate: cash only vs digital tracking apps

I saved $80 last month using cash envelopes for groceries but my wife swears by YNAB and says I'm wasting time handling money, which method actually sticks long term?

3 comments

3 Comments

the_joel9d ago

Did digital help you actually see the waste better?

averywilliams15d ago

Honestly, I was team cash only for a solid year until I tried YNAB last fall. Seeing where every dollar was actually going changed my habits way more than physically counting bills ever did. The digital thing just stuck because it gave me a clearer picture without the hassle.

grayc2715d ago

Ngl, did the digital tracking actually change your spending or just make you feel more in control?