tag:blogger.com,1999:blog-14734790.post8614873298309278579..comments2023-10-31T09:21:30.027-04:00Comments on Mary Ann's House: My Two Cents On Budgeting: The Envelope SystemMary Annhttp://www.blogger.com/profile/03129793790973176351noreply@blogger.comBlogger8125tag:blogger.com,1999:blog-14734790.post-35781011746281306872010-06-27T13:48:11.219-04:002010-06-27T13:48:11.219-04:00I can see where some people don't put gas mone...I can see where some people don't put gas money in envelopes. It is not always convenient I find, but if one is on a tight or finite budget as we are, every dollar counts.<br /><br />It's not so pleasant to be pumping gas in the freezing winter and having to go into the gas station to pay, but it keeps us on track. For us, if we used debit for that I doubt that we would stay within our budget. When we know the gas budget is low, we arrange our life accordingly, kind of like Debbie just mentioned.Lhttps://www.blogger.com/profile/12869204059908421195noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-48056475054719751432010-06-27T12:31:17.624-04:002010-06-27T12:31:17.624-04:00We have been using the envelopes for so many years...We have been using the envelopes for so many years now I can't remember how long it's been. I do know it was before we had even heard of Dave Ramsey. The guy we heard it from was Ron Blue.<br /><br />Our envelopes are for:<br />food, misc (shampoo, toilet paper etc), fuel, entertainment (eating out, clothing (we each have our own which includes our two boys), fun money and gifts.<br /><br />The boys have these categories...tithe (which comes first), clothing, entertainment, gifts. They are now 15 and almost 18 and have been doing this for about 5 years. My oldest is going off to college and I hope he takes what he has learned with him.<br /><br />I see Nikki says it doesn't work well for gas for her, but it does for us. It makes us think about do we really need to go there. Can't we wait and make one trip and combine errands. We also live 30 miles from town, so have been doing this for awhile any way.Debbie Fisher (debbiedee)https://www.blogger.com/profile/01504216412594013717noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-75629648734616303652010-06-26T21:17:45.711-04:002010-06-26T21:17:45.711-04:00Amen!!
There is nothing like whipping out the ol...Amen!! <br /><br />There is nothing like whipping out the ole Chicago-roll...schumpt,schumpt, schumpt... and watching the clerks mouth hit the floor.<br /><br />Do you know what a Chicago roll is??? See Scott (my hubby) for details. ;)Bevy @ Treasured Up and Ponderedhttps://www.blogger.com/profile/15821971923515558110noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-32779097336227179732010-06-26T17:04:13.434-04:002010-06-26T17:04:13.434-04:00We have not used the envelope system but I have st...We have not used the envelope system but I have started using cash (rather the even my debit) to pay for things and it sure helps to curb the excess spending. I know there have been times that I have gone to the store and paid with my debit card while chatting and don't even know how much I spent! Baby steps I tell myself.Denisehttps://www.blogger.com/profile/16939855614446303349noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-37558211020281442352010-06-25T21:08:38.279-04:002010-06-25T21:08:38.279-04:00We're big fans of the envelope method too. It...We're big fans of the envelope method too. It has really helped us to know where our money is going because there is not a lot of room for error with our budget. We have about 12 different envelopes for the home and I have 5 additional that I use. I'll probably be adding a few more categories soon like Christmas and other saving envelopes.Lhttps://www.blogger.com/profile/12869204059908421195noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-30910487461461770062010-06-25T19:46:56.753-04:002010-06-25T19:46:56.753-04:00Good post Mary Ann.
we use cash for groceries, ...Good post Mary Ann. <br /><br />we use cash for groceries, gift money, our personal allowances and fun money. <br />But I pay all our bills online with the free billpay our credit union offers. and we do put gas and some purchases on a credit card that we pay off every month. <br /><br />I think the main thing is plan your spending before you start spending, like Dave says.Rhondahttps://www.blogger.com/profile/07898829593961271218noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-70880075727412228832010-06-25T16:11:56.452-04:002010-06-25T16:11:56.452-04:00We do the envelope system for groceries. I don'...We do the envelope system for groceries. I don't think it works well for gas. We also use it for x-mas expenses, etc. I've found that I spend less when I use cash for groceries. Thanks for sharing.Nikkihttps://www.blogger.com/profile/04319452988995234341noreply@blogger.comtag:blogger.com,1999:blog-14734790.post-35053234542301608982010-06-25T15:47:25.413-04:002010-06-25T15:47:25.413-04:00We currently do cash envelopes for Christmas, groc...We currently do cash envelopes for Christmas, groceries, clothing, eating out and allowances (blow money). We have also found that we spend less when using cash. <br /><br />Mary EllenMary Ellenhttps://www.blogger.com/profile/08816881493977758025noreply@blogger.com