One of my New Year’s Resolutions is to contribute even more
to my emergency fund. I’ve read articles in the past explaining how easy it is
to save if you skip your morning stop at your favorite coffee shop or if you automatically
transfer $30 from each paycheck into your savings account. It’s frustrating
because my husband and I live within a strict budget, so there are no frills to
cut and no “extra” money to save. We
needed a way to save without going into the red each month, so two years ago my
husband and I started using cash for the majority of our purchases; which has
actually allowed us to save. We still
use our debit card occasionally for bills, but 90% of the time we pay with cash.
No more guessing how much money is left
in our account and getting slapped with expensive overdraft fees. If we have extra
cash at the end of the month, we have 3 options: add it to the next month's
budget, put it toward paying off a debt or place it in a savings account. The
bonus is all of the change you accumulate when paying with cash! I use the quarters
for laundry and save the rest :) I've tried just about
every way to organize and keep track of my cash. This is by far the simplest
way! I've had this adorable Mary Engelbreit bag for years so I just needed the
expanding file, which I found at Goodwill for $1.99!

Supplies:
Money bag or pencil bag
Check size expanding file (plastic)
Remove the expandable dividers from the expanding file.
Measure your bag and cut the expanding dividers to fit,
making sure to keep one end intact which will help keep all of the dividers together.
Label and start
sorting your moolah!