<prompt> Human: If so, how do you do it. Seems like it would be a pain 1Carrying around all that cash 2Keeping the envelopes on you. I only ask because I see it suggested as literally advice here very often and I dont think its practical at all. A virtual system or written system maybe, but physically maintaining an envelope system that you keep on you day-to-day seems unrealistic. Let me know what you do.  <response>: I did for a while. However I only did envelopes for the categories that had been personally difficult for me to stick to. No sense doing it for categories there is no issue with. As long as you track expenses it shouldnt be hard to figure out what those are. Once I had modified my behavior in the way I had wanted, I went away from the envelope system, since it had done its job. I think one key thing that you are missing in understanding this is that you wouldnt be taking all those envelopes with you when you leave the house. Not even one full envelope really.If I was going to a night out with friends, then I took some cash from my entertainment envelope, put it in my wallet, and then returned whatever was left in my wallet at the end of the event back into the envelope. If I was going out with zero intention to buy anything, I didnt bring cash, period.So handling the money from physical envelopes never actually caused a pain like you are describing, since I would only have part of the money from one envelope on me art a time, generally, and then only if I intend to purchase something. It was a great behavior modification experience and I learned a lot from it. Once I learned what I could, I no longer needed that system. 