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 


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