There is also a goal sheet with the things you are going to do to cut back on. Read this when you are frustrated and forget why you are doing this. Our cash envelope planner includes a worksheet with the reasons you want to improve your financial situation. This will prevent impulse purchases or spending more than you have budgeted for groceries.
For example, if you take your groceries envelope with you when you go grocery shopping and leave your credit card at home, you will not be able to spend more than the amount of cash in your envelope. The envelope budgeting system is a great way to prevent overspending. How to get started with the cash envelope system
