Money in the Envelope
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  1. #1

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    Smile Money in the Envelope

    We use a similar envelope system to that described by Dave Ramsey. Each week we diligently fill the envelopes with the budgeted money for each category. When it is gone, it is gone until the next week. I am proud to announce that this week for the first time...we have a little money left in a couple of the envelopes. Does anyone else use this system? How is it working for you?

  2. #2
    Registered User Greebo's Avatar
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    We use virtual envelopes. We track funds on paper, but leave the money in the account.

    It works, but mainly because it makes us *think* about our budget. That isn't to say we don't sometimes drain a fund below 0 (mainly the pet expenses when vet visits are unexpected).

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