Free budgeting software that does not use envelopes software#
The best feature of this software is its ability to factor in several different possible scenarios for the future. NOTE: All files that have more than 4 designs will be split into two folders, as these are large prints.OnTrajectory is a comprehensive financial planning tool that feeds several customized inputs into a graph and shows you where you will end up financially by a specific age.I also provided an image carousel for a closer look at each pattern.
Just print, cut, and fold, using glue, tape or adhesive of your choice, and they are ready to use. These are designed for the smaller envelope with a little extra room (7″ W X 3.5″ H) and come with white dotted score lines to make folding a breeze. With just one glance you can quickly see your budget. I made these templates in the simplest form…a place for the category, the date, description, add or minus and balance. I hope they will be a HUGE blessing to you, as they have been for me! I honestly…can’t imagine life without…my cash envelopes. I would like to recommend that if you are struggling in any area with your money that you give it a try…stick with it…and it will work. You can start from right where you are using this system and work your way to financial freedom…or at least…remove the stress that comes with trying to stay on top of your finances. You also have a paper trail should you ever need to reflect back and make some changes…most of the time my budget stays the same…but things do come up…using this system also makes those unexpected expenditures so much more manageable. The great thing about this system…is you have a complete visual of where every single penny is being spent. I then gather my envelopes and make my categories, and each pay period I add the amount that I have budgeted for the month. A few of mine are: Insurance, (I no longer have a car payment), food, phone, pets, savings, Maintenance, personal, recreation, ect. The categories is also something that is different for everyone. Then…it’s time to work my way to my categories. By the time I get to this sheet…I have already mapped out 1/4 of my budget to be subtracted from each pay period, to cover my expenses…I simply record under each week, the debt and amount that has to be put into my cash envelopes. Once I gather my monthly total, I break them down into weeks using my Paycheck Budgeting Printables.
Back then I used just plain paper and pencil, but times have changed and now I use my Monthly Budget Printable to first record everything due for the entire month. I budget by the month…I can’t really tell you why that it…honestly I was so young when I started this system, the only real bills I had were a car payment, insurance, room and board, and personal odds and ins (gas, hygiene, clothes) ect…and I guess because my car payment was a monthly thing…that’s where it began. If you are looking to get on track with your finances, maybe in some way it will help you too. It worked and I stuck with it.Įveryone budgets a little different because no two budgets are the same, so I’m going to share my system which has worked for me. I think most have heard about the Dave Ramsey Cash Envelope System, and it truly is a great system, but I started doing this long before I ever knew who Dave Ramsey was, like when I got my first job as a teenager.
Today I am sharing the single, most valuable tool, when it comes to finance and budgeting…that I have ever used…Cash Envelopes.
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