Envelope Budget Spreadsheet Template

Current Total in the Bank: $ 1,497.00 Envelope Balances

Groceries RestaurantDate Description Memo Amount Unsorted $142.00 $0.00

1/21/2010 Initial Balance Checking acc 100.00 0.00 100.001/22/2010 Groceries -100.00 0.00 -100.00

2/1/2010 monthy check 1,497.00 0.00 142.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00

0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00

0.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.000.00

Envelope Balances

Rent $815 Savings$400.00 $815.00 $80.00 $0.00 $60.00 $0.00 $0.00 $0.00 $0.00

400.00 815.00 80.00 60.00

Monthly Medicine $30

Winter Utilities $80

Summer Utilities $130

Mass Transit

Medical Ins Yearly Deductible

Mad Money

Books, MP3, Movies

Clothing Taxes$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Medical Emergency

Doctor Visits

$0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00 $0.00

Envelope BudgetHow to Use

Enter your cash inflows and outflows on the left. Next, sort all money into envelopes on the right. All money must go into and come out of an envelope. This way you know how much you have saved for what. If your "Books & CDs" envelope is empty, you can't buy any until there's money in there.

Easily save ahead of time for big expenses like travel or have separate envelopes for winter and summer utilities so you aren't surprised by a big heating bill. Keep money earmarked in an emergency envelope and some in a savings envelope. This way you don't just see a total bank account value and think you can buy whatever you can currently purchase.

Why to UseFor those living paycheck to paycheck. Based on the old fashioned system of sorting cash into envelopes each month for expected expenses. Once the "New Clothes" envelope was empty, no purchases were allowed until more money was sorted into that envelope. If you needed to transfer money from one envelope to another, you knew what you sacrificed for that purchase.

Today's cashless purchases and larger bank accounts have made this useful system go out of fashion. People look at their accounts and see $2,000 and think, "I've got plenty of money." However, $900 is for next month's rent and $1,000 for expected expenses. Only $100 is available to spend. Welcome to virtual envelopes!

Envelope Budget Spreadsheet Template

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Envelope Budget Spreadsheet

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