I have been trying super hard to stick to a cash envelope system these last few months.

In trying to pay off some credit card debt, that suddenly starting spinning out of control, and to just get a better idea of where our money was going [because I mean, we have no money, so where is it all going]. It started off as a great thing. I was heading to the bank every pay check, getting my cash, and diving it up. Ready to stick to my specific category allotment.

But, there was only one problem. Every time I would leave the house I was forgetting to take my cash envelopes, then overspending and using money from one envelope to cover the other. It was almost a depressing cycle that seemed to kind of be making things a little worse.

I knew that I needed this system to change somehow and get it to work better for me. Then, one morning while I was working out and watching YouTube —- ok, really quick, this is where I try to multitask and get in a little “personal growth” I will watch meal planning videos, grocery haul, budget videos, listen to christian preachings, learn more about totschool and kid activities, I just go to town with watching informational YouTube videos to build me up —- I found this video by Jordan Page  about a simpler way to use the cash envelope system. And you guys. It’s genius!! [ok, watch the video people!]

It’s basically using the cash envelope system like a debit system, so that you don’t have to withdraw wads of cash and try and keep it all together. Now, here’s my spin on it. I am using this method to control my grocery and misc spendings — misc meaning eating out, family fun, random purchases. But, I am still using some cash envelopes for things that we don’t typically spend money on each week. I have envelopes for things like doctors, pets, holidays, clothes, trip, house cleaning/improvement, that I am putting a specific amount of money in each week, to build up, so for instance when I go to get the dogs groomed, if I’ve been putting away $15 each pay check, thats $30 a month built up in the envelope. We get the dogs groomed about every 4 months, so by the time that 4th month hits, now I’ve saved up enough for the groomers. Same with clothes. We don’t buy clothes often, so by putting away $20 each paycheck, I’m building up a clothing fund for those seasonal times that we go shopping.

But, having this one envelope to take around with me and mark down my groceries and misc spending, has been way easier for me to keep track of, instead of having to always have the cash with me.

The key to budgeting is to find a method that works for you and that you can stick to. So, of that means you take a little of each different system out there and combine it all, then hey….as long as it works!!

What kind of budgeting system do you use?


Carrot Cake Pancakes

July 17, 2017

Now that I have two kids eating whole foods…and getting pickier by the day, it’s been hard to get them to eat anything other than mac and cheese and sprinkles. One thing that they have fallen in love with recently though is pancakes. And I say recently because Logan has never really been a pancake […]

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Kiddie Book Club

July 14, 2017

There’s no doubt about it that my kids are book worms. Holly right now is loving bringing us book after book, sitting on our lap ready to listen to stories. Logan has an unending supply of books in his room, and he just gets enthralled with the stories. It’s actually really fun right now because […]

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Photo/Video Organization

July 12, 2017

Sometimes I love that we can take so many pictures with just the touch of a finger tip. But other times I really miss my disposable camera or film loaded camera. It’s amazing to be able to take 100 pictures of Holly eating a popsicle, or Logan playing in the sprinkler. I’m capturing more memories of […]

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A few ways to beat the heat

July 10, 2017

When you live in the dessert and it’s summer and you’re fighting for shade, the heat can be the one thing that gets you. Seeing my little ones with pink cheeks and saying how “fweaty” their forehead is, lets me know that we’re in need of a cool down. Logan has been telling me that […]

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DIY Car Diffuser

July 7, 2017

You know I’m obsessed with essential oils right? They’ve been such a God-send for us. Literally. And I use them non-stop throughout my day. Well, a few days ago the kids were having some major emotions happening. Tantrums. Yelling. Crying. Overly hyper. At one point I thought my van was going to explode from the […]

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Marathon Update

July 6, 2017

Well….about that Marathon. Just as my first week of marathon training kicked off, I found myself experiencing a ton of hip, leg, and back pain. I don’t know if it’s just overuse of my muscles [since I’ve been running a lot and increasing my mileage through the spring]. Or if it’s my old running shoes […]

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Fourth of July Snacks

June 30, 2017

Fourth of July is my husband’s favorite holiday. So, you better believe that we’ve already been popping a few fireworks in the front yard. [Yup, we’re those people…but at least ours are the little tiny fireworks, not the big crazy ones that people will shoot off for weeks in to July]. We’re planning to gather […]

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Summer Must Haves

June 28, 2017

We’ve been living with triple digits for the last week, and let’s get real, summer in NM started at the beginning of May. But, since the calendar says that it’s the official first full week of summer, I thought I’d share some summer must haves. We’ve been trying to keep the kids busy outside in […]

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