 Proverbs 21 20 reads, Precious treasure and oil are in a wise man's dwelling, but a foolish man devours it. If you have trouble managing your credit cards, cut them up and switch to a cash system. Download the brand new FaithFy app 4.0 today to help you get on a budget to control your spending. It has a digital version of the tried and true cash envelope system. Once you get control of your money, your money will stop controlling you.