A budget plan like this is just awesome. I used to feel really guilty when I shopped or spent a lot of money. The guilt is gone. Now I enjoy shopping and saving because I see where it gets me. It takes a long time to save for big items, but it feels so good when you get them guilt and debt free. I really hope to pass this onto my son so that he sees how easy it is to let money the be boss. You have to be the boss over your money.
One more thing to add... I do have an old navy credit card and a target redcard debit card for the discounts. So I have a clothes budget envelope and a target envelope (because target should just have its own!!) I go to the store, spend just what I have in cash in my envelope and then go to the bank and deposit the cash. That covers the redcard amount when it comes out of my account and I go online and pay off the old navy bill. I'm not sure Dave Ramsey says this is a good thing because then it's easy to go over budget. I am super careful and stick to my plan, but some of those store discounts you can't pass up!!