I have been using the money envelope system for sometime now. I won't say that I am perfect at it, but using cash does make you think twice about buying something (unless it is scrapbooking supplies or purses). The envelopes I am using now came from Dave Ramsey's Financial Peace seminar and are worn out. During my blog hopping, I saw a post on http://kelleighratzlaff.com/ and wanted to make one for myself. Kelleigh did a great job with the tutorial and even has a place to download the template. I put my own spin on it by adding binding, my own labels and an envelope for coupons in the back. I am really happy with the way it turned out. As it turns out, Kelleigh uses the money envelope system too.