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30 Small Steps Everyone Can Take To Get Their Finances In Order

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Do The "Envelope" Trick
If you have a really hard time sticking to a budget, it's time to go old school and go offline. Ditch your credit card for the month and take out money to create an envelope system.

Each envelope represents a category in your budget. Say you have your "groceries" envelope — put in $300 for the month in that envelope, and take out how much you need each time you go shopping. If you run out of money, you will need to sift funds from another envelope (like you're "going out" envelope,) making you more aware of how much you need to budget to come out even each month.

At first it's tricky to use this system, but it really forces you to stick to the budgets you agreed upon at the beginning of the month.