Welcome to the Joyful Days community! I don’t put my leftover money back in the bank. Usually I just roll it over to the next week, or buy something nice for myself or a loved one.

The rationale is to save what you decide to save, and spend what you decide to spend. It’s a great feeling, psychologically, to have money at the end of the week that you “must” spend. In this way, you don’t begrudge the money that you must save. If you put the money back, I’m sure there’ll be a temptation at some later point to spend more than the week’s cash budget and reason to yourself that it’s ok since you put back some earlier. This bargaining with yourself has been the downfall of many longterm plans to wealth.

Hope this answer makes sense. Thank you for your comment and allowing me to elaborate on this!

I agree that life is much more fun when you know you have enough in your bank account for anything that can happen. I never agreed with the traditional from of budgeting ie tracking every single expense. Too much work for me. But this cash thing is simple and works great!