Question

How many envelopes does everybody keep? Right now I’m just keeping three. Food (not grocery), monthly challenges (that I am still learning), $5 challenge. I am still working on building up paying more with cash and less with our bank cards. My husband and I have everything on autopay and have never been cash carriers but I want to get there for our other items like grocery. And honestly the food envelope has been a huge help already!  

Answer 1

I have mines broken down so I have quite a few! But it helps me stay on budget!  

Comments

@sophrosyne77 this is amazing! What wallet and inserts are you using? Are there envelopes inside the tabs as well?  

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@scilla thank you! This is actually a Betsey Johnson crossbody purse with a removable straps. The envelopes are personal sized and I did hole punched them so that I can use them in my personal ring planner if I decide too! Made them from outdated happy planner calendar dividers. And use tabs out of the carpe deim tab book! I Really love this purse ! wallet

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That's such a cute idea! I have a happy planner too, totally doing this to save money! Thanks!  

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Looove the Happy Planner divider idea!  

Answer 2

I have 3 — grocery, $1 bills (I do that instead of $5, just easier for me) and then a misc envelope that I fill every month to use on whatever I want but once it’s gone it’s gone

Answer 3

9 envelopes.  

Answer 4

I have a “me” envelope lol I’m lazy so I encompass all of my personal into it - so clothing, makeup, self care. Groceries, Pet, husbands envelope & our cleaning lady - which I don’t technically need an envelope for but it’s easier to keep her money to the side.  

Answer 5

Food(eat out/grocery), misc, fun, kids, health/beauty.  

Answer 6

Food ; house ; kids ; me; Christmas .  

Answer 7

I have way too many, but so far, they are working really well for us: Food, Eating Out, School, Pharmacy, Gas, Sitters, Entertainment, Household, Home Improvement, Dog Food/Meds, Gifts, Celebration, Kids Gear, Haircuts, omg so many LOL!  

Comments

@olympic Previously we had like 3-4 vague categories and my husband just plundered them all for stupid stuff. Now, he has to stop, think, plan, etc. And it's going great!  

Answer 8

Grocery, Gas, Health/Beauty, Parking Fees, Entertainment, Eating Out, Misc., and one for each kid

Answer 9

I have lots! But I’ve always had a lot of envelopes since I was really little it just works for me! Me, hubby, son, date night, community (get togethers, holiday dinners, having people over, church stuff etc) House Car Health Vacation Anniversary Christmas Garden I also have a pregnancy and maternity clothing envelope and baby stuff envelope i started bc we are hoping for another baby soon. So I put a lil in those plus any money I made from selling maternity clothes or baby stuff from my first.  

Comments

@olympic thanks! I sold a lot from my 18 month old and put it all in envelopes since I didn’t need it for him. Now to get this one weaned so we can have another!  

Answer 10

6 for me per month Grocery - 400 Fun - 200 Car - 250 Misc - 300 Household- 100 Beauty - 100 275 - sinking funds (post office) 75 - park Christmas account

Comments

@olympic my childminder likes to get cash from me every month in an envelope (500) the crèche is a bank transfer / thank god lol

Answer 11

We have 1 - groceries, 2 - gasoline, 3 - personal care, 4 - medications, etc, 5 - medical co-pays 6 - clothing 7 - eat out Miscellaneous 8 - gifts 9 - household 10 - blow money (aka spending) These prevent using any kind of card & really keeps us on budget.  

Answer 12

I have 5-6 usually. Food, Entertainment/Other, Echo (My Dog ), Car/Skidoo, & Bowling. The 6th one is usually for a small planned event which may be a sinking fund.  

Answer 13

Groceries, gas, household, personal, misc, fun. my sinking funds are separate savings accounts with capital one.  

Answer 14

I have 6 regular envelopes (gas, food, clothes, fun, beauty, and miscellaneous) and 3 that I use for sinking funds.  

Answer 15

Grocery, gas, eating out, school lunch money, personal. I think I’m going to add a misc on next Friday’s paycheck

Answer 16

Groceries Household Gifts Vacation House (this is money for our new house) $5’s challenge $1’s challenge

Answer 17

Home - groceries and general home Charlee - daughter, clothes, toys Diapers Misc - my spending money Gas

Answer 18

You have to work with it to see what categories work best for you. The expense tracker was really helpful in figuring that out. The envelopes are separate from what I have on autopay/pay online. Some of mine are: Grocery Fuel Sports (admission $ for sports kids our are playing now) Groceries Chickens and Dogs (they need stuff too ) Haircuts.  

Answer 19

Groceries Medical Dental Vision Dog Car Maintenance Misc