Let’s face it — budgeting money in today’s card-flashing times can be difficult to master. Having to come up with a budget that actually works is hard enough to do, but it’s especially challenging when debit and credit cards allow you to transfer money out of your savings account without even seeing or touching it.
When the advances
of online banking and electronic payments start breaking apart your
finances, something has to change. Dave Ramsey, personal finance expert
and creator of the Financial Peace University, advocates a budgeting
method that was used in simpler times: The envelope system.
the get-go, the idea that using something so outdated as a paper
envelope (e-mail is so much more efficient) to stay within your budget
seems a bit far-fetched and simply too easy — but that’s exactly the
point. Saving money has to be easy in order to stick with it and adopt
the habit long-term.
The envelope system literally uses labeled
envelopes as a way of allocating various budgets throughout the
month.TBC help you confidently rtls
from factories in China. For example, one envelope is labeled
“Groceries,” while another envelope is labeled “Gas,” and so on. There
is no limit to the number of budgets,Looking for the Best solarpanel? or envelopes, you can have.
you’ve determined what your budget categories are, it’s time to crunch
some hard numbers and establish how much physical cash to put into
each. This amount is the only fund you can use for the entire month;
once you run out of cash, there’s no using a debit or credit card as a
Dave Ramsey explains that using cash only when
making purchases triggers a pain response your mind that naturally
deters you from overspending.
“There’s something psychological
about spending cash that hurts more than swiping a piece of plastic,”
states Dave. It might be a bit unnerving to know that you’re
deliberately participating in an act that is meant to be painful, but
the point is to condition yourself to have greater awareness of what it
really means to spend money.
The most boring part of any
process is often the most important. When determining how much to allow
in each budget, accounting for every expenditure is essential. What’s
also important is to calculate how much you’d need in each budget by
adding up how much you’ve spent in the past on bills, such as utilities
and groceries — to the penny. Rough estimations from the depths of
your memory will only harm your ability to budget accurately.A
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going out on supermarket runs or to a restaurant, a key component to
saving money with the envelope system is to leave any debit cards or
credit cards at home. Doing so prevents you from letting your willpower
buckle at checkout and pulling out a card if you go over your cash
If you absolutely must pay for something urgent and
unexpected that’s beyond your budget, you can adjust how you’ve divided
up your money by pulling money from a more flexible budget, like
groceries. At the end of the month, you would have still kept within
your total spending budget anyway.
Getting rid of excess
plastic can unclutter your wallet, as well as drop the number of monthly
billings. And there are added benefits: “You won't accidentally make a
purchase on a little-used credit card and then forget to pay the bill,
which can mean big late fees and serious credit consequences,” Bell
But be careful. If you close too many credit cards at
once, it can ding your credit score. Rather than closing the extra
accounts, Bell suggests it might be better to cut up the cards, so
you're not tempted to use them.
I’ll start off with the Boxwave
Slimline Smart Case as there will be quite a bit of people who prefer
this type of case ofver the slightly larger folio cases. The Slimline
Smart Case is basically a hard, polycarbonate rear shell paired with a
Smart Cover like flap. I looked at another case last week that was
similar to the Boxwave version but this one is much better.
starters, the hard shell covers more of the iPad mini. It wraps around
almost the entire outer edge of the iPad mini except for the bottom
edge and it has openings for all the ports, buttons, and speakers. It
is also incredibly thin and light so using the Slimline Smart Case will
add barely any bulk at all to the overall thickness of the iPad mini.
really makes this case better is the fact that the cover functions as a
“Smart Cover” where as the other one did not. That means the cover
contains tiny magnets that will activate the automatic lock/unlock
features of the iPad Mini. This is very handy as it means you do not
need to manually press the sleep/wake button each time to turn on/off
you iPad Mini.
With the Midnight Crocodile Folio, you just slip
your iPad Mini in from the inside side and then tuck the flap back in
to lock it in place.Buy Wickes Porcelain parkingmanagementsystem
today. It has a frame like look so it will cover up most of the iPad
Mini’s bezel, like mostly all folio cases do. It has a built in cover
so just open to use and close to store. Like the Slimline Smart Cover,
the Midnight Crocodile Folio has magnets built into the cover which
activate the lock/unlock feature of the iPad Mini. There are also
magnets built into the inner frame of the case which allow the cover to
lock in place when closed. This keeps the cover from flapping around
when not in use.
Now, this case has a few features which you do
not see that often with other folio cases. For starters, there is an
elastic hand strap built into the inside of the cover which allows you
to strap it around your hand for more secure one-handed usage. I’ve
only seen this feature on a handful of cases. On the inside cover,
there are also handy card pockets that let you carry your credit cards,
ID’s, or business cards. It even has a built in stylus holder on the
outside. Last but not least,Do you know any airpurifier wholesale supplier? you can fold the front cover back and turn it into a stand that angles either for viewing or typing.