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The envelope system is helpful for a couple reasons: 1) You tend to spend lesswhen you use cashthan when you use a card, and 2) you can only spend what you’ve budgeted in your envelope. When the money is gone, it’s gone! It’s a great way to keep you disciplined with your s...
(still largely unexamined) guise that variations in Member State provisions against laundering were a threat to the integrity of and free flow of funds within the internal market. This was a fiction that most Member States were happy to go along with (though many did not see it as a ...
the average cost of the meal has doubled or tripled. Why should the waiter expect an increase in tip percentage every few years, even though through inflation, the price of the dinner is increasing (and therefore the amount of the tip). I know in...