A Painful Question of the Day
Nicole Dieker

I use YNAB so every card transaction has to be entered manually by me. It makes me think about how much I’m spending on what. I deduct the cash from my budget when I get it from the ATM, so it’s “free money” for me too when I spend it. So yes, I get to delight in spending cash on silly stuff like bagels and candy bars, but I also take out less cash to start with because I see the “fun money” budget decrease immediately when I do.

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