The Liquid Method
Traditional budgets don’t work. The Liquid Method is an example of how necessity is the mother of invention. I developed the Liquid method in 1981 out of necessity: I had a limited amount of funds and I needed to make sure my one and only credit card’s balance never exceeded
the balance in my checking account. That way I could always pay my credit card in full. What a concept; due to this method I've never paid one penny in credit card interest.