After all, money is fungible: What difference does it make if you spend, say, $500 on groceries and $500 on dining out, as long as you arrive at the end of the month having shelled out less than you earned? Still, some may find categorizing expenses a helpful guardrail to stay on track and increase their savings. It is a little strange, though, when you take a step back. You divide your spending into different buckets and draw down on those buckets for the month until you get to zero. This is the hallmark of both Mvelopes and YNAB. Keeping tabs on what you actually spend will help you not only stay within the current month’s budget but also adjust your assumptions for next month’s. This was the service Mint so uniquely supplied when it launched back in 2006. As Olen points out, this can be tricky for some, but less so if you earn an income via a regular W-2. You need to have a guess as to how much you’ll earn to know how much you can spend. We don’t guarantee that we will receive your returned item. If you are shipping an item over $75, you should consider using a trackable shipping service or purchasing shipping insurance. If you receive a refund, the cost of return shipping will be deducted from your refund. You will be responsible for paying for your own shipping costs for returning your item. To return your product, you should mail your product to: 1926 JJ AVE Marengo Iowa US 52301 A refund will be issued minus 2.9% + $0.30 to cover Shopify and/or PayPal processing fees and a 10% restocking fee. Only regular priced items may be refunded, unfortunately sale items cannot be refunded. If the return is approved your refund will be processed and a credit will automatically be applied to your credit card or original method of payment, within 7 business days. To complete your return, we require a receipt or proof of purchase. It must also be in the original packaging and returned within 7 days of your purchase. To be eligible for a return, your item must be unused and in the same condition that you received it. We will replace items that have been damaged during shipment if photographic proof of damage is submitted to within 7 days of delivery. They will need your tracking number which can be found in your shipping confirmation email or text message. If your package is missing through USPS, please reach out to them at (800) 275-8777. We cannot offer a refund or replace items for missing or stolen packages.

Once the package leaves our shop, unfortunately delivery is out of our hands.

You will receive a shipping confirmation email or SMS text as soon as the label is created for your order, however, the tracking status of your shipment may take up to 72 hours once a label has been created. Once your order is processed and your package is picked up and scanned by the carrier, transit times typically range from 2-7 business day days, depending on the shipping method and delivery destination. Please allow 5-7 business days for items to ship.

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