The envelope budgeting method divides cash into labeled envelopes for groceries, gas, and entertainment, and once an envelope is empty, spending in that category stops until the next payday. Critics call it clumsy in an age of cards and apps. Supporters answer that clumsiness is the point: a card swipe carries no physical reminder of what remains, while an empty envelope does. Several banking apps now offer a digital version, letting users assign portions of a balance to virtual envelopes that track down to zero the same way the paper ones do.
The author's attitude toward the envelope method is best described as
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Correct answer to question 68 (Paragraph Comprehension): even-handed, presenting both criticism and defense
Method
The passage states a criticism, gives the supporters' answer, and notes a digital adaptation without favoring either side, which is an even-handed presentation.
Updated: November 2026
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