This new year has got to start out with a budget for me. December was filled with bills and a billion Xmas gifts.... So time to start saving! I saw a pin that showed a binder that included cash in pockets with labels for where the spending is allotted. If you have the cash physically in your hands, you will actually spend less than when you use the plastic.
Just an old binder, a label maker, sandwich bags, a whole puncher, and the cash to go in the bags.