Next, make a different cash envelope for each variable category you’ll pay with cash. Step 3: Make Cash envelopes for each category You can even grab the free budgeting printables. Make sure that the sum of all expenses does not exceed the total income for the month.įor more details on creating a monthly budget, check out How to Create a Monthly Budget. Or rather, decide how much you’ll spend maximum in each variable expense category.

Then, with that knowledge on hand, you’ll create your monthly budget. Which means calculating current expenses.ĭive into your online bank account and check out out the breadown of expenses to get an idea of your spending over the last year.

To figure out how much to budget for each category, you’ve got to actually know what you’re currently spending. Here’s how you figure out how much cash to put in each envelope: While fixed expenses (like rent/mortgage, car payment, Netflix, phone bill etc.) come directly out of your account, you use cash for other expenses. Instead of making purchases with a debit or credit card, you use cash for all variable expenses that you run the risk of overspending.įor example, groceries, eating out, clothes, shoes, entertainment etc. It’s a simple cash-based system that makes it easier to spend less, stick to a budget, and take control of your finances.

While popularized by Dave Ramsey, the cash envelope system has been around since there were both cash and envelopes.

GET STARTED WITH CASH ENVELOPE TEMPLATES.

Tip 4: Paying for multiple categories in 1 trip to the store.

TIPS TO USE YOUR CASH ENVELOPE TEMPLATES.

Simple Cash Envelope Tracker from The Incremental Mama.

Spring Cash Envelope pdfs from My Stay at Home Adventures.

Brush Dots Cash Envelope Printables – from The Incremental Mama.

Simple Cash Envelopes from My Frugal Home.

4 Cash Envelope Template – from A Cultivated Nest.

Free Horizontal Cash Envelope Templates.

Super Cute Cash Envelope Templates – from Mommy Over Work.

5 Floral Cash Envelope Printables – from Carrie Elle.

Free Cash Envelope Templates with Trackers.

Floral Cash Envelopes – from The Incremental Mama.

Simple Cash Envelope Template – from The Incremental Mama.

Free Cash Envelopes – from Inspired Budget.

25+ Free Printable Cash Envelope Template.

Download envelope word template