Happy New Year, Jen! I have started working with a budget for the first time (gulp! yes, first time)I have all this cash and a bunch of envelopes with my categories. Some $$ stays in the account for bills or checks that I know I write, but all my purchases are with the cash. I started in Dec. At first I was nervous but now I like knowing exactly what is happening. Eventually my envelopes will become virtual but for now, this is great practice. I really want some cool jeans and I'm going to buy a coupon holder from Etsy. I can't believe I am excited about the coupon holder. The one I made out of origami paper is just not cutting it! Hope you are all well.