So, I am a complete newbie. I learned of TBM last month and spent weeks reading posts, reading her blog and taking notes. I am still confused I am having a hard time wanting to pull cash out of the bank and put into envelopes when my savings account earns almost 2% and my debit and credit cards all earn 1-5% cash back I do not have an issue with debt, I have less then $1200 which I plan to have paid by end of the month. My problem is mindless spending. I have OCD and ADD and tend to buy stuff we don’t need because “it’s on sale”. Which, since joining this group, I can proudly say that all of January I made a list of things we NEEDED and stuck to it! It was like pulling a kid out of a candy store to get me to leave sale items behind, but I did it! Is anyone else in this situation? What is the best way around it? Do you keep money in separate accounts or just track a certain way? Please Help!