<prompt> Human: Im a finance-minded guy so the actual mechanics of budgeting isnt the problem Im having: It is the discipline and system to actually do it month inmonth out. For those who are budgeting with a significant other, would you walk me through your system? For example, do you touch base monthly to discuss priorities? What does that conversation look like? Do you work with your budget solution YNAB, Quicken, etc. once a monthweekdaily? Just trying to get a sense for how I can more faithfully and efficiently implement budgeting and financial planning. Not near as consistent as I like. Honestly, theres not a tool I love and thats part of it Ive done Quicken, Mint, YNAB -- they all seem meh but more importantly, Im just not making this a priority and dont have the margin to implement some kind of time-sucking and overly detailed system.Thanks for sharing what has worked for you!  <response>: Were married and follow the Dave Ramsey method. Heres what it looks like. At the end of the month, I make next months budget. The wife doesnt like making it, so I make it and then show it to her. I ask if I missed anything, like events we have planned next month or planned expenses. Budget is ratified.New month rolls over and I reconcile the budget. We have a goal of having 2,000 in our checking account at the end of the month. This helps a lot in determining where were at in the middle of the month and just makes things really easy. Any leftover money above 2,000 goes towards our current financial goal. In this case, saving for a new car. It also helps because were about to withdrawal a lot of money from our checking. We then fill the envelopes. This is usually over 500. We have broad category envelopes, like groceries, pets, hygiene, etc. we fill the envelopes with cash. We then spend out of the envelopes when we make purchases. There are a few things we use a debit card for, like gas and bills, but we mostly use cash. Its easy to tell how much is available for each line item by just looking in the envelope. The whole process takes 15 to 30 minutes per month, including a trip to the ATM 