person A: I can't stop spending money_comma_ no matter what I do_comma_ no matter how many budgets I put together. How can I be so careless?
person B: That would be tough! Have you tried switching to cash envelopes?
person A: I haven't_comma_ what is that?
person B: Where you just use cash and put money in an envelope_comma_ when it's gone_comma_ it's gone_comma_ nothing left to spend.