All Posts By

Brittany Cooper


Our Cash Envelope System Routine

Our family uses the cash envelope system every single month. It is one of the BIG GAME CHANGERS that has helped us finally stick to our budget!

I highly recommend giving my unique approach to the cash envelope system a try. Even if in the past you tried it a different way. Inside my online course I teach you how to customize this system to make it actually work for your family. 

In today’s post I am showing you the steps our family takes every month to make our cash envelope system work to give you an idea on how you can do it for your family’s budget. 

Related Articles:

Cash Envelope Wallet GIVEAWAY (Open 02/13/2020 – 01/18/2020)

I absolutely love my cash envelope system wallet from DaisyLaneDesigns! If you see a wallet in any of my cash envelope system videos or grocery shopping videos, it’s from there! I love them! You’ll get all the info on what they look like in the video!

Do you want one?

I know you do! For a chance to WIN one all you have to do is follow PenniesIntoPearls and DaisyLaneDesign on Instagram and leave a comment on this post letting us know why you love the cash envelope system or why you’re excited to get started. That’s it!! Good luck!


Our Cash Envelope System Routine


Set the budget
Making sure that every dollar is accounted for BEFORE we spend a single penny, is such a key to us successfully having money to fund our goals! That is why it is step one of our routine for funding our cash envelope system every month.  

You can read in this blog post about how we and when we budget the cash for our cash envelope system. We used to pull half of the cash with each paycheck of the month. Now we pull all the cash from the first paycheck of the month. 


Make sure money is in the bank
Seems silly but we make sure that our paychecks have cleared the bank before we go and pull out the cash. There has been a time or two in the past that for some random reason the paycheck was a day or two late. It’s a simple thing to do to be on the safe side. 


Get the cash from the bank 
This is the easiest step. Once a month I go to the bank and pull the cash we need to fund all our cash envelopes.


Put cash in cash envelope files
Make sure to check out the related articles above to understand what I mean when I talk about the cash envelope files. For this step I take the cash and fill the file envelopes. That way I have all the cash we need ready for the next month.  


1st of the month
On the first of the new month I move any necessary cash from the file envelopes to my wallet envelopes. I don’t carry every single category with me in my envelope, which is why this system works so well. 

Now we are ready to shop! Once the cash in a category is gone, then the shopping for that category stops! It’s that simple. Planning ahead and giving every dollar an assignment makes this possible. 


Do you have any questions about our routine for managing our cash envelope system? I would love to chat with you about it in the comments.

Thanks for stopping in! I’ll talk to you soon!

Xoxo Brittany 


February 2020 Meal Plan & Grocery Haul

This meal planning on a budget post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!


February is such a fun and challenging month, and this year it’s a whole day LONGER lol. I am sharing our meal plan for the month including valentines day plans and more fun for the family. Come along, I hope it inspires you this month. 


This meal planning on a budget post will help you plan a whole month of healthy and kid friendly meals your family will love. Continue Reading →


Why You Can’t Stick to Your Budget

Dang it! You set the budget for the millionth time but for some reason you can’t seem to stick to your budget! What’s the deal? It’s starting to feel hopeless…

If it seems like I just read your mind that’s because I have been in your exact spot! It took hubby and I a good 9-10 years before we FINALLY figured out why we couldn’t stick with our budget.

In today’s post, I’m going to uncover three reasons you can’t stick to your budget and what you can start doing today that will change it all around so you can once and for make it work!


This is the SOLUTION to figuring out why you can’t stick to a budget! Here are 3 reasons why you can’t stick to a budget and HOW TO FIX them and learn to budget the right way once and for all! Continue Reading →


Can You Afford Your Goals?

You have big dreams for your family, but that’s all you believe them to be. Dreams… You keep wondering how to afford your dream life.

You wish for a life without having to worry if you have enough money to pay the bills. You fill stuck with no hope of a brighter future.

What would it be like to live without the weight of your debt on your shoulders? What would your life be like if you could own your own home? What would you be willing to do in order to live out adventures as you travel with your family?

But your stuck thinking, “I won’t ever have a life like that.”

To that I say, WHY NOT?

You have big dreams for your family and today I am going to show you how to turn those dreams into goals and those goals into a goal based budget. You need a financial action plan to get you to your dreams and I am going to show you what needs to be done!

Setting goals is one thing, but how do you actually reach your goals for your family? How can you dream big but still set realistic goals? This is what you need to do in order to set goals, stick with them, and start living an amazing life with your family. Continue Reading →

Our 15 Minute Budget Routine

Today I am sharing our 15 minute budget routine. I’m going to walk you through what our bi-weekly budget routine actually looks like. I’m also going to show you what it looks like when I am paying all our bills and making sure there is cash in the bank! 

If you need help making your budgeting process a real routine then you’re going to LOVE this! 

These are the 6 steps to our budget routine. We set up a budget date every two weeks when hubby gets paid. I’m sharing the 6 steps to our budget routine. Continue Reading →


Our 2020 Financial Goals

Today we are sharing our 2020 financial goals! We like to set goals each year so that we can make a plan from those goals, and achieve them! It’s so important to base your plans and budget off of your goals to keep you motivated. 

If you’re not working towards a goal, it’s really easy to get off track. Plus, it’s fun to DREAM and watch those dreams come true, am I right? 


Today we are sharing our 2020 financial goals for our family of five. We had a great 2019, but we definitely have areas we could improve and some fresh new goals for the new year! Continue Reading →


January 2020 Meal Plan and Grocery Haul

This meal planning on a budget post contains affiliate links at no additional cost to you. Thank you so much for supporting Pennies Into Pearls by using my links!

Whew! The holidays are over. There is something about having a fresh start in January that really makes things feel fresh. We have created this meal plan for the month based around simplicity and resetting after the holidays.

Pearl! I got you! Make sure you read this article on how to meal plan for beginners. In there you will find all the tips you need to make sure that you plan to the best of your ability and stay on budget!

Use this family budget meal plan this January and feed your family for under $520! You will start saving money on groceries as soon as you use this family budget meal plan! Continue Reading →

The Only 3 Budgeting Tools You Need

Holy cow is your brain spinning from trying to figure out which budgeting tools you need to get started with budgeting? There seems like there’s a million options and how do you know which ones will work for you?

Allow me to simplify this for you. In today’s post, I am sharing with you the only 3 tools our family successfully used to once and for all set and stick to a budget so we could stop stressing about money and start living a better life!


When you’re trying to figure out how to start a budget, you need to know what budgeting tools you need. Here are 3 FREE budgeting tools for beginners that will get you started today! Continue Reading →