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XP: Budgeting - cash system?

Hey everyone,

If you use some sort of cash/envelope system, keep reading please. :-)

My DH and I have been married for 4.5 years and have never really set & stuck to a budget.  It is about time!  So we set up a budget for ourselves to better manage the money that is leftover after paying bills.  We don't have any credit card debt to speak of, but we are saving for a house.  I am looking for feedback from those of you who have done some sort of cash-only/envelope system. 

At this point, we have set up:

Groceries/household supplies
Emergencies and/or big holidays (our plan is that we will put a small amount in this envelope each month and it will roll over so that when big holidays and/or emergencies occur we have a little padding)
Laundry (because we live in an apt and have to pay for our laundry in quarters)
And then each of us will have $25 to ourselves to spend or save as we choose

If you use a similar system, what other categories do you have?  Or do you think this covers everything? 


Re: XP: Budgeting - cash system?

  • We've put ourselves on a budget also but use the computer. We have some similar categories.But we also have:

    Car maintenance - annual inspection/registration, routine maintenance (like oil changes) and extra repairs

    Health - Dr visits and Rx

    Travel - we started saving for mini vacations or bigger trips

    House Projects - new appliances, flooring etc.

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