Budgeting Tips

How to Use the Cash Envelope Method in 2025 (and Make It Work Digitally)

In an age of tap-to-pay, one-click checkout, and AI-generated shopping recommendations, it might sound strange to go “back to cash.” But in 2025, the cash envelope method is making a comeback — and this time, it’s going digital.

Whether you’re new to budgeting or tired of blowing through your money without knowing where it went, this method might be the financial reset you need. And don’t worry — you don’t have to carry around envelopes like it’s 1985 (unless you want to).

News & Trends

The Rise of High-Yield Savings Accounts in 2025: What Savvy Savers in the US and Europe Need to Know

Remember when your savings account earned almost zero interest? Those days are finally fading. In 2025, high-yield savings accounts (HYSAs) are making headlines across the United States and Europe, offering interest rates that savers could only dream about a couple of years ago. Many top HYSAs in the U.S. now pay around 4–5% APY (annual percentage yield), and even in Europe some banks are offering 3–4%+ on savings deposits – a huge leap from the near-0% rates of the past decade. This surge in savings yields is driven by a unique mix of economic trends – from rising central bank rates to the after-effects of inflation – and it’s changing how people manage their money on both sides of the Atlantic.