I have tried everything and I have tried a version of this before but I have heard that this really works for people. I am only getting paid once a month which is actually awesome as I think it will make the envelope system work A LOT better. So on the first day of the month, I go to the bank and put a ridiculous amount of money in envelopes. EVERYONE is rocking an envelope including LO, the cats, the nanny, DH and My Maria. Everything down to toilet paper has an envelope. There is even a misc envelope and a credit card envelope where you have to put cash if you use your credit card. I was thinking of putting inspirational sayings on them like, "Hey F**ker, think before you take money out of here," but decided against it.
I am trying to decide who will have the most problems with this plan:
Family Member A who prefers shopping carts, expensive purses, glasses and clothes. She has not met a Whole Foods store that doesn't make her drop a $50.
Family Member B has a large hole in his pocket. He operates by foot mainly in one small area where you can literally see the money flying by him in the wind. He often has sidekicks who he may blame for his need of additional funds. You have to play tough with this party goer.
They are a cagey bunch but they are trying to avoid a retirement filled with insects and outdoor housing. Wish them luck and DO NOT offer anything to them to buy, eat or wear. They are on a DIET.