Hi , how do you budget, spend and manage monthly expenses. Recently went out with my friend for shopping and she had envelopes for each of her kids and spent money from their envelopes and then used credit card for her items. as we were discussing another friend said she also does the same. i usually use my credit card to buy what ever i want, hubby uses his, we pay the cards and actually dont keep track of our monthly budget. so last 2 months tried various apps to keep track of our monthly spending but didn't work out well. How do you do it? do u note down all the monthly expenses.do u have a budget for each person in your family? or do u just spend as you wish. I buy few sets of clothes for each season at sale. then we dont go for shopping until we need something. but my friend buys monthly something or the other. and she gets it in good sale too as she visits mall often. so how do you manage? and whats your routine? Thanks!