That’s EXACTLY how it went. His basics/ 101 got us out of debt and on the same page as a couple. Those concepts provided a solid foundation to grow from. We don’t use cash anymore. We use a credit card and we use an “envelope” app so that we can see what’s left and stay aligned. We pay of everything every two weeks. His investment advice is just dumb, but I have to give him credit for giving us the tools that finally worked.
A blow money envelope and being able to shift money around after having a budget meeting was THE game changer.
Zero based budget. Envelope method using the Goodbudget app (not really the way it’s meant to) so that my partner and I can see where we are at any given time firming the month for our “cash envelopes”.
We use “cash envelopes” for: Groceries Restaurant Entertainment Cosmetics & Toiletries Pets Gas Dry Cleaning Haircuts Blow Money