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This works for beginners!
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Retyping my comment after a cup of coffee:
We've discussed my envelope budgeting method before and you told me it was a traditional Japanese method as well. I used that in college and we've budgeted when our finances were tight.
Neither my wife or I are very inclined towards spending lots of money, so our budgeting has lapsed. She keeps on eye on our finances and tells me when we need to tighten up.
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