I second the advice from TG. My parents were in debt for years due to overspending, and this envelope method was the only one that got them on track. Having an easy to follow rule such as “if the money isn’t in the envelope, you can’t spend it” made it easy on them. They always said “We need to spend less money” but it’s harder than it sounds for many people. In fact, it’s actually their long-term solution now because it worked so well and they are nervous about falling back into bad habits if they change.
