They sell the special little binders that hold the special plastic, zippered envelopes, that make it more fun and a little easier to use the envelope method.

https://baddiesandbudgets.com/en-ca/collections/for-the-beginner

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I don't use them, but they're some of those products that give the illusion of productivity :P

Yes thank you, none of this was obvious at all

I just use a spreadsheet and keep track of my purchases. I don't get why people need anything more elaborate than this

Downvoted? People have no sense of humour

Well.... I didn't realize there was two versions until now

The article says that as she started gathering an audience from her envelope-stuffing techniques, she began making personalized embroidered money binders due to not many places make them.

Could you do this with just paper envelopes? Yes. But I think some folks respond better with fabric and plastic that just paper.

Little did they know that the Republicans there were rooting for the Russians.

From the article:

>she turned cash stuffing into a business — Baddies and Budgets — through which she sells money courses, budgeting supplies and other accessories.

Her website literally does sell physical envelopes. She did not write a piece of software to help people budget.

I saw this movie. He dies in the end.

https://en.m.wikipedia.org/wiki/Gold_(2022_Australian_film)

That was my question too.

You can't just mail cash, so you have to deposit it in order to pay.

Seems like a lot of extra steps, but if that's what it takes to help you budget and save then why not?

As someone who got the Dookie CD from WalMart when it came out, I didn't even think about that. 😁

Thanks for doing the work to get to the bottom of this.

Thanks. I missed that the first time through.

Probably on purpose so rich assholes can have some fodder in the media to be like "see! Your measly stimulus checks did last 3 years, you lazy peasants."

I assumed they were just posting their techniques on social media and YouTube and making money through advertising.

This isn't a new technique, my mom and grandmother used to do this but they used old jam-jars, that was when people were paid weekly in cash and most purchases were made in cash.

was looking for this

Didnt know ur mom lives in Australia

[deleted]

Greenday 🤘🏽

It depends. I work in finance and met a guy who took Dave Ramsey to heart, at least the biblical parts. He sold his house and car, then bought a cash car and rents a home now. Said he didn't want to be in debt to anyone, but failed to see how being a renter was much worse. I agree with you about credit cards though, they are a nice feature if you are responsible. However, most americans use it as a slush fund to cover bills they can't normally do.

I came here to say this lol

Never used the original version, so I can’t make the same comparison, but I still like it. It’s way better than actual cash envelopes and still does the best of any program I’ve used. Do you have a different program you prefer?

Loved YNAB and used it back when it was a one-time purchase software you could use. When it went to the new model with the website and everything, kept using the software until that went to poo and they pushed hard for the website service. It was a shame to see the original version get left in the dust.

Banking in the US feels like it's stuck in the 70s. Since banks have better online tools. That's about all we can do.

Banking seems really weird in the US. I have 17 accounts for my budgeting and could open more if I wanted very easily online or via an app. Don't you guys also have some bullshit with bank transfers and stuff which is why things like Venmo exist?