Not too long ago, when my husband and I started to get our financial act together, we realized we were spending a ridiculous amount of money on eating out. Wanna know how ridiculous? This is embarrassing… we were spending $400 a month on restaurants! We were having a budgeting crisis in the form of not doing it at all. It was time to come up with a system. To solve our problem, we learned a trick taught by one of the most famous financial gurus in America, Mr. Dave Ramsey! This little trick is simple. It doesn’t involve you going out and getting a second job or even selling some of your favorite toys. All you have to do is change your money-spending behavior by paying only in cash. Here is my step-by-step process to explain how to adopt this brilliantly elementary method.