Rosemary Rainha saves for special events and purchases and uses a method that keeps her on track. She says, "I also budget discretionary funds by putting cash in sealed envelopes for any upcoming purchase or event, and writing on the outside of the envelope what the money is for. This way the cash isn't in the bank to be spent and if I break into the sealed envelope, I have a concrete reminder of what I have to give up in order to do something else with the cash."