In order to win with money, you must spend all of your money on paper, on purpose—before the month begins. That’s called a budget. The envelope system is an effective way to manage key budget areas, such as groceries, entertainment, and gasoline. Your budget will not work the first month! It usually takes about three months to really start running smoothly. Use the forms in the back of this book or our online budget software to get your finances in order.
Key points budget
