AND WITH THAT BUDGET UM I KNEW THAT I HAD TO CUT BACK ON CERTAIN CATEGORIES IF I WANTED TO ACHIEVE UM DEBT FREEDOM AND ONE OF THE BIGGEST THINGS THAT I DID WAS TO SWITCH TO CASH AND NOT MINDLESS SWIPE FOR EVERY PURCHASE MM HM SO YOU HAD BASICALLY AN ENVELOPE SYSTEM WHERE YOU PUT X AMOUNT OF MONEY FOR DIFFERENT NEEDS AND WANTS CORRECT SO I DO I DO STILL USE CASH ENVELOPES EVEN POST DEBT FREEDOM JUST SIMPLY BECAUSE IT DEFINITELY HELPS ME MAINTAIN MY DISCIPLINE 