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Deluxe Envelope System

Manage Your Money
This simple way to manage your household income and expenses includes a stylish cover, coin purse, places for your checkbook and check register, memo pad, debit card holders, extra cash-management envelopes and a PDF guide to the envelope system.
ITEM NO: 9781934629321PUB
$19.95 $34.99 (43% off)
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The Deluxe Envelope System has all the tools you need to begin Dave's proven, easy-to-use cash management system. Try this simple way to manage your household income and expenses and avoid spending more than you earn!




What's Inside?


  • Memo Pad
  • Cash Management Envelopes
  • Debit Card Slots
  • Checkbook and Check Register Holders
  • Coin, Coupon and Receipt Pouch
$19.95 $34.99 (43% off)

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This simple way to manage your household income and expenses includes a stylish cover, coin purse, places for your checkbook and check register, memo pad, debit card holders, and extra cash-management envelopes. Learn more
$29.95 List $39.95

The Deluxe Envelope System has all the tools you need to begin Dave's proven, easy-to-use cash management system. Try this simple way to manage your household income and expenses and avoid spending more than you earn!

What's Inside?

Why Use Envelopes?

Grandma's way of handling money still works. Many people used cash envelopes in the past 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 basics for starting a cash envelope system:

  1. 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.
  2. 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 withdrawal. However, you can create categories like food, gas, clothing and entertainment.
  3. Fill 'er up. After you've categorized your cash expenses, fill each envelope with the money allotted in your budget. For example, if you allow $100 for clothing, put $100 in cash in your clothing envelope for the month.
  4. 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!
  5. Don't be tempted. While debit cards can't get you directly into debt, they can cause you to overspend if used carelessly. There's something psychological about spending cash that hurts more than swiping a piece of plastic. If you make a habit of spending cash whenever possible, you'll be less likely to overspend or buy on impulse.
  6. 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 Indiana
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

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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.

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