How many of you have heard of Dave Ramsey’s cash envelope plan ( click here to learn more ) to help pay off debt and create wealth (so you can GIVE!)? I have yet to meet someone who hasn’t heard of him before. Cash envelope systems are all over Etsy and Pinterest but I wanted to create a super simple, CHEAP system you can make yourself with very few materials. I mean, what’s the point of having a cash envelope organizer that you paid a lot for when you could just make it yourself much cheaper. Amiright?
All you need are the materials shown below:
- Scrapbook paper
- Glue stick or tape
- Free templates of envelope and labels (simply click on the links and print them out):
Click HERE to download the FREE template.
Once you have your templates printed, cut them out along the lines. As you’ll see, my lines aren’t perfectly straight (and yes, I used a ruler). Remember, this is to help you stay on track with your budget. It doesn’t have to be perfect! Just have fun with it.
Then fold along the sides using the template as your guide. Again, it doesn’t have to be perfect. Just use your tabs, fold and either glue or tape down securely.
Then take your printed/cut out labels and start writing your categories. This will be different for every family depending on your goals and needs.
Repeat for remaining envelopes. Make as many or as few as you like. We have found 5-7 to be enough. If I have too many envelopes, I begin to feel overwhelmed.
BAM! You did it! Now you’ve got something tangible to help you stay on track with your financial goals.