Getting Started with Cash Envelopes

Don’t Get Overwhelmed

Getting started making a Budget can be an overwhelming task – I mean, if it was easy, you would have done it already, right?!? Well, you’re not alone, Here at Budget Keeper, we’ve found that most budgets succeed or fail based on discretionary spending categories – Things like ‘Going Out to Eat’, ‘Groceries’, and pretty much any other category that doesn’t’ have a ‘set amount’ each month.

Focus your Efforts

So, pick a few categories that you know can have the biggest impact on your bank account – you can likely name a few off the top of your head – the categories that you have the most decision over how the money is actually spent.

Fill out your Envelopes.

Write directly on the envelope (a permanent marker works best) – Fill out the amount you are committing to that category for the Month.


Put away the Credit Cards

Get in the habit of reaching for your Budget Keeper envelopes, and when payday is still a few days away – avoid reaching for those credit cards. Those last few days of the month are the most critical in forming new habits!


Find out what works.

At the end of the month, review how you did. See if you need to add or subtract from a particular category – find out what works for you, and what doesn’t. Even the most well-made plans sometimes need slight course corrections.


Take it one month at a time

Avoid the temptation to fill out the amount for all the months at once! Nothing worse than making a commitment to something only to find out it doesn’t match the reality of your financial situation. Take it one month at a time.

Share your Victories! Even the little ones!

Being able to share your success with your friends or family is a great way to keep you accountable to your budget – Tag us on social media – we genuinely love to hear success stories or can hold your feet to the fire if that’s what you really want!
Even something as small as being under your groceries budget by $20 when the end of the month rolls around – we’d love to celebrate it with you!… And who knows…occasionally we like to send out little gifts to a few of our fellow Budget Keepers. So, keep in touch!

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