Free virtual envelope app for iPhone & Android. Solves the issue of one spouse not knowing how much they can spend because they don't have the cash envelopes with them. Works beautifully with Dave Ramsey's plan.
TRUE...I did this with my students, and I do it now with Landon. It's much more effective at getting their attention, and the ones who tend to goof off more when embarrassed don't get the attention of the people around them when you're correcting them.