Have you heard of this or ever used it? I've had friends who started out using this and saw great success. You make a budget (eating out, entertainment, gifts, clothing, groceries, toiletries, etc) and then you place the budgeted amount of cash in an envelope. When it's gone it's gone! Of course, things like mortgage, gas bill, etc are not paid in cash but they are budgeted. I really like this idea for younger just starting out people--especially newlyweds. I think it can help you learn to live on a budget and not overspend or use credit cards.