I bought Dave Ramsey's envelope system to help with making sure I only spend what is budgetted. I haven't read or gone through Financial Peace University that explains fully how this is supposed to work. It seems pretty self-explanatory, except for a plastic pouch that is in the middle of the system.
I am not sure how this plastic pouch is to be used. My choice is to use that for the coins I get back with the bills I spend in each envelope. This way I can save my coins to be used to fund my Baby EF (or debt snowball, depending on which step)--an idea that Suze Orman suggested decades ago. Then each night I can empty this into my "tub o'change".
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