Creating and sticking to a household budget is no small feat, especially if you are new to budgeting. Chronic overspending causes carrying credit card debt, but Cash Envelopes can help.
Thankfully, most people tend to overspend on just a few budget categories, which is why cash envelopes can be effective. They are a simple tool to control spending in those targeted areas.
The cash envelope is a budgeting system that only uses cash to pay for specific cost categories. Each cash envelope holds the money you allocate to that category for the month.