history: I can't stop spending money. I can't stop spending money_comma_ no matter what I do_comma_ no matter how many budgets I put together. How can I be so careless? That would be tough! Have you tried switching to cash envelopes?
current: I haven't, what is that?
next: Where you just use cash and put money in an envelope, when it's gone, it's gone, nothing left to spend.