#Free envelope template how to#
#Free envelope template pdf#

I think it gives a much nicer look to colored printables, and it’s less prone to wrinkling… great since your envelopes will need to last all month! copy paper, but not as heavy as card stock. This paper is a bit thicker and sturdier than standard 20 lb. Then, I recommend printing the cash envelopes on a heavier weight printer paper like a 32 lb.

#Free envelope template pdf#

You can download the free printable money envelope PDF at the end of this post. Here are more detailed steps to setting up a cash envelope budgeting system that works for you using the free printable cash envelope templates that I have for you at the end of this post: Step 1: Download and print the free cash envelope templates and budget worksheet. When the $100 is gone, you can’t spend anymore money on entertainment for the month. Then, use the cash in that envelope to pay for entertainment related expenses throughout the month. Then, on the first of the month, you fill a money envelope template for each category with the cash that you can spend for the month.įor instance, if you budget $100 per month for entertainment expenses (like going out to the movies or visiting local festivals), then you would note your allowed entertainment budget on the front of one envelope and put $100 cash inside. Then you determine how much money you want to allot to each category for the month. The cash envelope system is really pretty easy.įirst, you figure out what budget categories you need to have based on your spending habits.

If you want to keep track of your actual monthly bills, however, I’ve got an awesome free printable for that! Head to this post and grab a Free Bill Tracker Printable… I’ve got 6 different monthly bill trackers for you to choose from! Instead, just use money envelopes for variable expenses, or non-recurring expenses that change every month like the cost of eating out at restaurants or going to see a movie. Certain fixed or recurring monthly bills like your mortgage, car payment, or utilities bills are non-negotiable, meaning you need to pay them whether you have money left in a cash envelope or not. What NOT to Include in Your Cash EnvelopesĪ money envelope budgeting system isn’t right for ALL of your expenses. When you can see the cash in each envelope, it’s easier to see just how much is left and make good decisions about what you spend. But using cash makes your money tangible again. Sticking to a budget can be more difficult when using a credit or debit card for purchases. When the cash is gone, you can’t spend anymore money on that budget category until the next month. As you spend money in those categories during the month, you use the cash in the corresponding envelope. In its simplest form, the money envelope system involves putting cash into envelopes that are labeled with spending categories like “Groceries”, “Clothing”, or “Coffee Money”. The cash envelope budgeting system is an easy way to limit your spending on certain variable expenses each month.

#Free envelope template how to#

Read on to see how to get started with this budgeting system, how to make your own cash envelopes, and how to use a cash tracker on each envelope to make this system work for you! And grab my free printable money envelope PDF to try it out for yourself! What Is the Cash Envelope Budgeting System? Want to see how the cash envelope system works and try it out for yourself?

Once you figure out how much money you can spend on different things like groceries, clothing, and entertainment each month, you can use a cash envelope template to make sure you don’t go over your spending limits. And I’ve got some awesome free printable cash envelopes to help you get started!Ĭash envelope templates make it easy to start using a money envelope budget system. If that sounds all too familiar, then the cash envelope budgeting system may be just the thing you need to stay on track with your variable spending. What do you do when Starbucks sends you an awesome “Bonus Stars” offer but you’ve already used up your coffee money for the month? Or what happens when you’re at the mall and you see a super cute shirt on sale for 80% off but your allotted money for clothing purchases for the month is already gone?ĭo you just whip out your credit card anyway? To heck with the budget… this deal is just too good to pass up! Setting a monthly spending limit for things like coffee runs or new clothes is great… but how often do you actually stick to those budget limits that you set for yourself? Sticking to a budget can be extremely difficult.

Learn how to use cash envelopes and grab the free printable money envelopes template now! My free printable cash envelope template is the perfect way to track your variable spending and manage your budget this month.