Comments on: Fudge-it or Budget

By: Stephanie @ Keeper of the Home

Stephanie @ Keeper of the Home — Wed, 18 Mar 2009 22:03:12 +0000

Sara, I'm so sorry to say that they must have gotten rid of both the orange/pink one that I have and the blue/black one. I just checked where we got ours from (which was Dave Ramsey) and looks like they don't carry them anymore. :( Hope you find something else you like instead!

By: Sara

Sara — Wed, 18 Mar 2009 21:01:08 +0000

Thanks for your post! I'm wondering, though . . . where did you buy your designer systems? Daveramsey.com has a few, but they're just not as pretty as yours. Plus, yours seem to be made better, with the snap-button closures and all.

Please, please let me know where you got these!

Thanks!

By: Kel Quint

Kel Quint — Mon, 29 Sep 2008 18:35:01 +0000

I totally agree with Robbie. What DO you do when you make a purchase involving more than one envelope? I'd really like feedback on this one, if possible.

By: Kel Quint

Kel Quint — Mon, 29 Sep 2008 18:34:21 +0000

I totally agree with Robbie. What DO you do when you make a purchase involving more than one envelope? I'd really like feedback on this one, if possible.

By: Robbie

Robbie — Fri, 27 Jun 2008 17:55:29 +0000

I've had the same concern as Amy W.

I've also wondered--isn't it a nuisance when checking out? For example, when you're shopping at some place like Wal-Mart you might have groceries, clothing, household items all in one grocery cart. Do you then have the cashier ring it up as three separate transactions so that you can pay from three separate envelopes and in the meantime infuriate the people waiting in line behind you?

Right now I use the mvelopes software, but I just got married a couple weeks ago and am trying to figure out how to go from managing my single person's finances to managing a couple's finances, so may be changing the tools that I use. However, now with the increased expenses and income, it makes me even more hesitant to walk around with everything in cash in envelopes.

By: Amy W

Amy W — Thu, 15 Nov 2007 15:48:01 +0000

We have read Total Money Make Over and are using reg. ol' plain Jane envelopes for our system. I truly *love* the designer envelope system but have this nagging question about it . . . .
Are you ever concerned about carrying around so much cash? I leave most of our envelopes at home and only carry the "bare necessities" our gas, grocery and misc. fund envelopes.
What do you do?

By: SAHMmy Says

SAHMmy Says — Wed, 14 Nov 2007 21:02:27 +0000

I'm a big fan of Dave Ramsey, but I'm a little surprised to see him hawking $19.95 envelopes! While they're supercute and may be the push someone needs to go all-cash, it somehow seems against his "gazelle intense" approach to getting debt free.

By: Texastanya

Texastanya — Wed, 14 Nov 2007 19:30:11 +0000

You will be amazed at the peace you have once you are free from debt. Hubby and I decided several years ago to become debt free, and it took a looooong time, but we did it. The only thing we don't own out-right is our house, but we have such a good interest rate that we're ok with owing on it.
We sleep so much better at night knowing there are no credit card bills, student loans, or anything like that hanging over our heads. Congratulations on your decision!

By: Stephanie

Stephanie — Wed, 14 Nov 2007 16:52:10 +0000

Pieces, I just prayed for you. God is so gracious to give us courage to do the things we don't want to do. :)

Tickled pink, if nothing else, why don't you set a budget for Christmas spending specifically and put that in an envelope or baggie, and it will be a great start to using the system, and will keep your holiday spending in check!

By: Tickled Pink

Tickled Pink — Wed, 14 Nov 2007 16:42:12 +0000

I have friends who swear by that system, and I KNOW we need to implement it in our home. If I start NOW hopefully we won't go over spend for the holidays.