Taylor has just started crafting her budget for the new year. She has set some hefty goals for herself and believes that she has the tools to achieve them. She downloads a bonus that helps her keep her budget on track. It seems to be working for her because she is always on the goal and she is able to keep her phone with her at all times are friend Kevin is not as technologically savvy. He has his own goals that he wishes to achieve using the envelope system and an expenditure notebook. He is taught to tailor a few times about the phone application she uses for her budget but feels like he would do better with having the cash in hand.

He feels like using his expenditure notebook. The envelope system gives him more accountability at the end of the day. The year passes quickly and both Taylor and Kevin has managed to stick to their budgets even though the tools they have used are so different