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I've been looking for a good way to do Envelope Budgeting. I'm not sure if anyone's heard of it. I used to use a site called mvelopes that had a great implementation, but it's not around anymore. In envelope budgeting you basically allocate a certain amount of your earnings each month to certain categories. It's a very safe way to budget because you know right up front how much money you have for discretionary spending. I just haven't been able to find a good program that has this exact method.