Decide how much to spend before you spend it, then watch the pace.
- Set an overall monthly limit, or a limit per category.
- Spending is pulled live from your expenses, so bars always match reality.
- Watch the pacing card to see if you are ahead of the month.
- Use the safe daily spend figure to plan the rest of the month.
Good to know: Start with two or three categories. Too many envelopes are hard to keep up.