Most people use a debit or credit card to buy just about everything they need. However, if you are trying to get better control of your finances, live off a single income or get out of debt, a cash budget may be the answer for you.
A cash budget works because you can never overspend. It is impossible. If you have $100 to spend at the store, you can not buy $105 worth of items, if you use plastic - you can!
One of the first steps to take in getting control of your money and reducing your spending is to manage it well through a cash budget. The secret to using it well, is to track every dollar you spend. Using your new cash envelopes.
When you get paid, get the cash you need for each budget category and place it in your envelope. Every time you shop, you will need to check how much money you have left and once the money is gone, you are done spending. By tracking and using cash, you become much more aware of how and where you spend your money.
These templates help you determine the categories to use and include space to track your spending. Download them once and you can use them again and again.
*It is recommended to print envelopes on heavy cardboard rather than standard copy paper.
**This is an instant download. There will not be anything mailed to your home. By purchasing this product, you realise it is under copyright and limited for use by only the purchaser and may not be re-distributed in any way.