This zero-based budgeting approach helps you avoid spending more money than you’ve allocated to each spending category every month. In lieu of a budgeting app, a budget binder for cash envelopes ...

A budget binder is easy to create ... which allows you to allocate every single dollar to an expense or spending category. A ...

Put these in a small binder or in your purse ... you can set up your budget categories and track your spending digitally while still using your debit card to pay for purchases.