Have you ever wondered, where did all my money go? I know I have. Reality check, it's time for you to sitdown and have a heart to heart with your wallet. Starting a budget is difficult but sticking to it is the hardest part. Use cash envelopes to help you separate your money into categories. Cash envelopes have helped me tremendously on my journey. "Tell your money where to go instead of wondering where it went" - Dave Ramsey.

"Tell your money where to go instead of wondering where it went" - Dave Ramsey.

Cash envelopes help keep you on track with your budget. Do not spend more than you have allotted for each envelope. Adjust your budget accordingly if you notice you spend more in one category than the another.