MY CASH ENVELOPE CATEGORIES | Budget Tips + Cash Envelope Method

Here is a look at my current variable budget categories!

In this video, I give you an inside look of my wallet, my cash envelopes, my budget categories, and information about the cash envelope method.

I started using the cash envelope method in 2019. It has brought so much clarity around my finances and it forces me to ask the hard question - "If I spend this money now, what am I giving up in the future?"

If you're on a budgeting journey, I highly encourage you to implement the cash envelope method into your life. Begin with using a cash envelope for one or two areas in your budget that you tend to overspend in. Placing a hard limit on these categories will allow you to get that category under control as well as bring more financial awareness into your life.

CHAPTERS:
00:00 Introduction
01:11 Why I Started Using The Cash Envelope Method
02:10 Figuring Out What Categories You Need Envelopes For
03:41 How Many Cash Envelopes Should You Have?
05:07 Benefits Of The Cash Envelope Method
07:34 Inside Of My Wallet
08:40 Breakdown Of My Budget Categories
14:54 How Often To Stuff Your Cash Envelopes
16:44 Figuring Out How Much Cash To Stuff Into Your Envelopes

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[nats]

I love these videos where you get back to basics. They're so motivating!

[ktsterlin]

These "basics" videos always help me double check and improve my own budget. I'm an electronic budget keeper and this still helps

[faithco]

This system works so well because of how transparent you are with your own money! Money is such a hush hush topic for so many people that it is AWESOME to actually see someone show their real budget and the actual money they are working with, not just vague fictional numbers. Thank you!

[arthrodea]

This might sound strange, but its helpful to see a non-rice-and-beans example of spending categories. I am out of debt, but I'm having a hard time with tremendous guilt and anxiety to spend money on things like fun or getting my nails done or beauty.

[Karlsz]

She works so hard! The amount of video and product output is amazing. Go, Miko!!

[NaturallyLizzie]

I absolutely love this!!! This month I’ve gone back to using cash after being cashless this year.
You have always been really encouraging to me!!! Thank you for always bringing us value!!!!

[eileenstuffs]

I agree. Using cash envelopes is very eye opening to track how you are spending! It has made such a difference for me

[traciecashesin]

This is great for those starting out! I do digital tracking and cashless for my Groceries and Gas but I've definitely got so much better with the other categories with envelopes

[LifeWithTheChounardSix]

Love going back to basics. Sometimes you just have start over. I just put together a holiday only binder and stuff it for the first time. I'm so excited

[aixabal]

I'm so grateful that I found your channel. A few years back I pulled previous months statements and began budgeting and it did well up until furlough life last year and since having our full income back we have gotten way off track. I'm ready to get back on track and even thinking about the cash envelopes method this time around.

[kallistoindrani]

I'm glad she did a video about this a bit more in-depth. It will help me for July because I have a few categories that I spend too much on.

[katiethomas]

Very helpful. I get so motivated to to the budget by paycheck method. I track my spending then I fall off track. I NEED to stick with it and complete the process. I do feel like every time I watch your YT videos things sink in a little better.

[aimaraolazabal]

I always love your videos. They are so practical and go right to the point. And I love your art...just purchased the ladybugs cash envelopes. I am learning so much with your videos and I feel very motivated and more confident. Thank you! You are the best!

[missxcristal]

This is what I needed! I was watching a couple of other videos yesterday and felt like it would be challenging trying to have envelopes for the fixed expenses. Great explanation for this system

[victoriarodriguez]

Thank you for explaining helps me to start up my budget.

[DaisyBudgets]

Using the cash envelope system has changed the game for me. Great video 👏🏼

[sarauribevalderrama]

Thanks for this video!! By far the best I have seen after hours or search!

[kofiamankwa]

Nothing but value from these videos. Nothing but value

[budgetwithjenny]

Very helpful video! so true that when it comes to budgeting everyone's journey is different. It was nice learning how you do yours. Thank you for sharing :)

[CoolCraftyCreations]

Hey Kumiko, started using the cash envelopes system back when I started the Dave Ramsey University program over 6 years ago, probably around the same time you did, lol. I just pre-ordered your book, and next year I’ll be using your workbook that I just ordered yesterday! I’ve tried other budget workbooks and I ended up having to make major adjustments. Looking forward to working with your system.