My Envelope System

This is my version of Dave Ramsey’s envelope system. I used an average 3 ring binder and business sized envelopes. Then I punched three holes in each envelope. It works out perfectly.

These are my envelopes:
Groceries(not just food, but shampoo, soap, etc)
Gas
Tim(for lunches, etc)
Heather
Car(tires, etc)
Family Fun(eating out, etc)
Gifts(for birthdays, Christmas, etc)
Misc(for little unexpected things)
Clothes
Emergency Fund(usually just gets transfered to savings though)

Using cash is taking some getting used to. This weekend I used my debit card for something even though I brought the cash. But it is helping. I went grocery shopping today and paid careful attention to every dollar I was spending and kept a running tab. I stayed $25 under! So, that money goes back into the grocery envelope in case we need something else this week. If there is still money left at the end of the week, I either move it to another envelope(like savings) or if needed leave it in the grocery envelope for next week.