Dave advises to carry cash instead of credit cards even though you may get robbed. He believes that you loose more money through credit card fees than through the risk of robbery.
My parents used an envelope system for their expenses. They had envelopes for groceries, mortgage payments, gas and so on. Then they cashed their paychecks and allocated the money amongst the envelopes. They lived out of these envelopes. That’s how they budgeted.
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6 years ago
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