Starter Envelope System
UPGRADE TO
Watch the Video Description
What It's About
The Starter Envelope System has all the tools that you need to begin Dave's proven, easy-to-use cash-management system. This popular component from the Financial Peace University Membership is being offered separately for the first time. Try out this simple way to manage your household income and expenses and avoid spending more than you earn!
What's Included?
- Zip-up change pocket
- Envelope system and instructions
- Four extra cash-management envelopes
Why Use Envelopes?
I found out that Grandma's way to handle money still works. People used to always use cash envelopes to control their monthly spending, but very few do in today's card swiping culture. The envelope system is a key component of the Total Money Makeover plan because it works. Here are a few simple basics for starting a cash envelope system:
- Budget each paycheck. Budget is a dirty word to most people, but you must budget down to the last dime if you're going to successfully implement the envelope system.
- Divide and conquer. Of course, there will be budget items that you cannot include in your envelope system, like bills paid by check or automatic withdraw. However, you can create categories like food, gas, clothing and entertainment.
- Fill 'er Up. After you've categorized your cash expenses, fill each envelope with the money allotted for it in your budget. For example, if you allow $100 for clothing, put $100 in cash in your clothing envelope for the month.
- When it's gone, it's gone. Once you've spent all the money in a given envelope, you're done spending for that category. If you go on a shopping spree and spend the $100 in your clothing envelope, you can't spend any more on clothes until you budget for that category again. That means no visits to the ATM to withdraw more money!
- Don't be tempted. While debit cards can't get you directly into debt, if used carelessly, they can cause you to over-spend. There's something psychological about spending cash that hurts more than swiping a piece of plastic. If spending cash whenever possible can become a habit, you'll be less likely to over-spend or buy on impulse.
- Give it time. It will take a few months to perfect your envelope system. Don't give up after a month or two if it's not clicking. You'll get the hang of it and see how beneficial the envelope system is as you dump debt, build wealth, and achieve financial peace! See ... simple!
Testimonies
The envelope system really works! I thought my spending wouldn't change once I began to use this system, but it has. I actually began to save more money each month than I ever imagined. Erica Indianapolis
With the envelope system, it is easy to make sure "every dollar has a name". I love having a place for my cards, ID and the pen and notepad I use constantly to remind myself of purchases or make shopping lists. I actually look forward to getting my paycheck CASHED and physically allocating my money. It has raised our awareness of our money and spending exponentially. And the sense of control is exhilarating! moneygrubber
Customers who purchased Starter Envelope System also purchased the following:
Shipping Info
Downloaded product like ebooks, audio books, etc. will be delivered to you immediately after you complete your order. For more information on delivery for electronic products, click here.
All other product, unless otherwise noted, will be processed and ready to ship within 2 business days (often even faster). The total delivery time depends on the service you chose and where your order is being delivered. You may see multiple shipping options to choose from during checkout. Our default choice will always be the most economical, but not necessarily the fastest.
Estimated Delivery Times
(Delivery times include 2 additional business days for order processing)
-
$4.95 ECONOMY SHIPPING
This method typically ships via the U.S. Postal Service and should arrive in 6-12 Business Days (closer to 6 days for states nearest to TN, closer to 12 days for states farthest from TN). This method is trackable and will include a tracking number on the shipping confirmation e-mail. Please be aware that once sent to you, the shipping confirmation number may take several hours to show up on the shipper’s tracking system.
-
$6.95 STANDARD SHIPPING
This method typically ships vis UPS and should arrive in 4-7 Business Days (closer to 4 days for states nearest to TN, closer to 7 days for states farthest from TN). This method is trackable and will include a tracking number on the shipping confirmation e-mail. Please be aware that once sent to you, the shipping confirmation number may take several hours to show up on the shipper’s tracking system.
NOTE: UPS Can NOT deliver to a PO Box or an APO address. If you want your package delivered to a PO Box / APO address please select economy shipping.
-
SECOND DAY AIR:
Orders placed before 11:00am on a business day will be delivered in 2 business days. Orders placed after 11:00am on a business day will be delivered in 3 business days. This method is trackable and will include a tracking number on the shipping confirmation e-mail.
-
NEXT DAY AIR:
Orders placed before 11:00am on a business day will be delivered the next business days. Orders placed after 11:00am on a business day will be delivered in 2 business days. This method is trackable and will include a tracking number on the shipping confirmation e-mail.
(609)
