Posts by Ray Burns

Posts by Ray Burns

Putting Time in an Envelope

I lived most of my adult life without worrying about a budget. Money always seemed like a guaranteed resource that would always be around, I just had to avoid spending the ambiguous amount of “too much.” When my family finally got on a budget, I realized just how finite money really is. We began using a digital version of the envelope system, which is the idea that you take any income you receive and piece it out between different envelopes…