The big advantage of cash envelopes is that, if you budget properly, you will always have the cash to pay a bill when it comes due. No more worrying about where the money will come from, be it for mortgage or rent, utilities, car payments, repairs, taxes, discretionary spending, etc.
Do some comparison shopping for services. Many families have eliminated a land line in favor of cell phones or a cheaper internet phone service. My own cell phone company also sells home internet phone service for บ a month. My old phone service cost me about ์ a month after paying fees and taxes. I even got to keep my old phone number. That was a very painless way to save 軸 a year. I also did some auto insurance rate comparison shopping. I combined my home and car policies with another top company and saved almost 赨 a month! Now my savings total is up to 趚 a month, and I have not given up anything.