Through all of our financial trials and tribulations, one thing that has always worked for us is the envelope system (I came up with the idea for us long before I'd ever heard of Dave Ramsey, but I have a few friends who swear by him, including one who has had his "I'M DEBT FREEEEEEEEEEEE!" moment on Dave's call-in show).
We do very well on the envelope system when we actually remember to use it (i.e., when I remember to go to the bank on payday and withdraw and parcel out the cash). We fell off the wagon when we moved here and I found myself unemployed three months in, but after our recent acceptance of the fact that we have no room in our condo for a baby, it's envelope time again. We'd like to have a baby before I'm no longer able (excessively early menopause runs in my family... like seriously... mid-to-late 30s), and in order to do that, we'd like to buy a condo larger than the one in which we currently reside. Well, just because we can't afford it now doesn't mean we shouldn't start saving (duh), so back to the envelope system we go.
All well and good, only, I can't find the box of coin envelopes we bought last time, and they weren't quite the right size, anyway.
Oh, wait. Yeah. Did I mention I own probably over $2K worth of scrapbooking supplies?
I bet you can see where this is going.
Yup... beeeeeeeeg dork.
But hey - at least they'll be the right size. And since the better half is in charge of the savings, I'll make sure the paper's not too girly. ;)