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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?
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the_joel14d ago
Did digital help you actually see the waste better?
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averywilliams20d 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.
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Ngl, did the digital tracking actually change your spending or just make you feel more in control?
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