For those who refuse to use spreadsheets, accounting software, or even a simple notebook, the Envelope Method is the ultimate solution. It's like having a personal financial butler, minus the butler.
Step 1: Get three envelopes. No, not just any three envelopes. We're talking about sturdy, thick, and preferably handmade envelopes. You know, the kind that screams 'I'm a functioning adult!'
Step 2: Fill Envelope 1 with your income. Yes, it's that simple. Just stick all your money in there and forget about it.
Step 3: Move money from Envelope 1 to Envelope 2 for expenses. Don't bother with petty details like budgeting or categorization. Just wing it.
Step 4: When Envelope 2 is empty, congratulations! You've reached a financial milestone. Move money to Envelope 3 and pretend you're a responsible adult.
That's it. The rest is just a series of existential crises.
Next: The 50/30/20 Rule - Because Who Needs a Budget, Anyway?