How to Use Envelope Budgeting to Increase Your Savings - Deepstash

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Intro: Restart Your Saving Habit

Intro: Restart Your Saving Habit

The envelope budgeting money management strategy forces you to accurately budget your expenses each month by only giving you access to a predetermined amount of money, and the goal is to teach you to gain better control of your finances.

Though the envelope budgeting method might not be suitable for everybody since it requires only the use of cash, it is still a great exercise to help you form a disciplined budgeting habit. So how does the envelope system work, and is it the right choice for you? Here is what you need to know.


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Defining The Envelope

Defining The Envelope

The envelope system is a money management technique that helps track exactly how much money you have in each budget category for the month by keeping your cash tucked away in physical envelopes. Once you’ve decided how much to budget for each category, you are only allowed to spend the amount of cash available in each envelope. Once you run out of cash, you can’t spend money in that category until the following month.


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Start Using the Envelope Budgeting System

Start Using the Envelope Budgeting System

1. Create Categories and a Budget

Create clear categories so that you know exactly where your money is going and how much is being spent.

2. Label the Envelopes

After deciding which categories to include in your spending budget, you’ll next write the names of the category and the budget amount on each envelope.

3. Allocate Funds to Each Envelope

Place the allocated funds according to your established budget into each envelope.

4. Spend Wisely

When it’s time to go grocery shopping or pay your bills, take funds from the appropriate category or simply carry the envelope with you on the trip. 


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Use A Monthly budget Tracker

Use A Monthly budget Tracker

Even if you already have a healthy emergency fund, a budget tracker or worksheet will allow you to track how much money you’re earning, investing, and spending each month. Unlike the envelope method, you aren’t restricted to only spending with cash, which allows much more flexibility. Though manually tracking your expenses can take up some time, it’ll also force you to think about potential ways to cut down on your spending and improve your money habits.


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"Rule No.1: Never lose money. Rule No.2: Never forget rule No.1." ~ Warren Buffett


How to Save Money - 8 Simple Ways to Start Saving Money

How to Save Money - 8 Simple Ways to Start Saving Money

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