She uses a small zipper pouch and cut up an old Christmas card for her dividers. That is, until I saw my mom’s system last month. I eventually bought a plastic mini folder for coupons that I transformed into my cash envelope system, and that served me well.
This practice lost its luster as I tired of carrying around 15 envelopes in my purse (not to mention how sad they began to look!) Initially, we dutifully labeled business sized envelopes and put our monthly allocations into them. This idea isn’t new-my parents have been doing this for years-but putting it into practice was new to me. You came here for a cash envelope tutorial, didn’t you? Part of Dave Ramsey’s system is to pay cash for everything. Little did I know that a budget works for you and takes the stress away!īut enough of this rambling. Budgets and cash envelopes were too complicated and stressful. If you had told me ten years ago that I would be a budget girl, I would never have believed you. And since I’m a stay-at-home mom, we have had to make some significant budget changes to make everything work.īut we’re doing the thing, and that is amazing to me. Now, to be honest, in our situation of paying back a large student loan debt, we have tweaked the plan a bit. Neither one of us has to preach to the other about “what Dave said” we just work the plan. And to this day, I am so very grateful that we have a terminology to refer to when we talk about money.
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How to Give Generously When You Don’t Have a DimeĪnyway, we took the class and graduated with a new perspective on finances. How I Earn Money Online-Buying What We Need and Want If you’ve ever tried to do that, you know how depressing that can be.) (Don’t ask me where I got that idea I do know it was influenced by my many attempts to force my small salary into traditional budget templates. I know, who says that? But I had lived too long with the philosophy that budgets were not for me because I didn’t make enough money. Both of us were interested in getting our finances in order, and I desperately needed a budget.
The name of the class was Financial Peace by Dave Ramsey, and I took it with my then boyfriend (now husband). But I honestly cannot think of a single class that has influenced more decisions in my life to date. Several years ago I took a class that changed the trajectory of my life. You don’t have to have any sewing skills to make this either. Here’s the easiest DIY cash envelope system out there.
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