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USE THE ENVELOPE SYSTEM TO TARGET YOUR BIG WINS All this conscious spending and optimizing sounds nice in theory, but how do you do it? I recommend the envelope system, in which you allocate money for certain categories like eating out, shopping, rent, and so on. Once you spend the money for that month, that's it: You can't spend more. If it's really an emergency, you can dip into other envelopes at the cost of spending in that category. These "envelopes" can be figurative (like in Kublax or Excel) or literally envelopes that you put cash in. This is the best system I've found for keeping spending simple and sustainable.