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Envelope Budget Main Page

Chances are your grandparents were quite capable of living within their budget, even if they didn’t have much.  They raised their families in simpler times when credit wasn’t as readily available, and when people saved money for life’s luxuries.  If they didn’t have the money, they didn’t buy.  Without all of the complex plastic money and banking accounts, they knew where their money went.

There is one prevailing reason why budgeting was easier for your grandparents.  They kept it simple!  They would divide their pay check into envelopes marked with words such as “Groceries”, “Utilities”, “House payment”, etc.  It was common for your grandparents to cash their paycheck and divide the cash into envelopes.  When the money in one envelope ran out, more money had to be put back in before they could spend more.  Seem simple?  Well, it is!

Debt Free Living’s ENVELOPE BUDGET program is a simple software program that allows you to divide your income into electronic envelopes.  When you make a purchase, simply enter the amount in the appropriate envelope on your desktop computer or on a budgeting check-book register, if you prefer, and the ENVELOPE BUDGET will let you know how much money you have left in the envelope.  If the money in any envelope runs out, you will know.  Better yet, you will be able to adjust your budget based on simple feedback to ensure that your income is the same as your expenses.  The software is not currently available.