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For years, we’ve used a cash envelope system for much of our budgeting. For those unfamiliar with the concept, it basically works like this: We have different envelopes for each area of spending (for instance food, clothing, gifts and so forth) and we have a budgeted amount of cash that we put in them every month. That’s the allotted money we have to spend on clothes and food and gifts and so forth. Because we have a budget, we know where our money is going, we know how much money we have to…