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Stack of well-used United States twenty dollar bills stuffed into a grubby white envelope.

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Saving and budgeting can be tough.

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If that sounds like a familiar problem, the cash envelope system might just be your last hope.

Its actually rather easy and ingenious.

The most important reason for this?

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You have to intentionally decide how much money you want to spend in certain categories in your budget.

Then, head to the bank and withdraw cash from your checking account for those categories, she wrote.

For example: going to the grocery store, paying for gas or going to the movies.

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Everyone deserves a date night, a Starbucks run or a relaxing manicure.

Rather, only take with you the envelopes youd need for that day.

As she noted, If you hate it after three months, then no hard feelings.

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But you might be surprised to learn that cash envelopes actually help you spend less!

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