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11 Cute Cash Envelopes for the Dave Ramsey System

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The cash envelope system taught by Dave Ramsey is an easy way to stick to your budget. I’m worried about my budget right now because I’m on maternity leave and my salary is reduced significantly.

My husband and I considered the cash envelope system because we didn’t trust ourselves to budget with our online tools. We also spend a lot on food and eating out and this would make it obvious when we hit our max for the month.

I’m inspired by the stories of people who use the envelope system to improve their finances such as Shannon who turned around her life after bankruptcy with the envelopes.

Now you don’t have to buy fancy envelopes. Shannon used plain envelopes with handwriting on them. You can make budgeting more fun however with these cute designer cash envelopes that we found below on Etsy. Whatever helps you stick to the budget!

1. It’s Your Country Southwestern Patterned Envelopes


This set of five paper envelopes comes in geometric, Southwestern designs. Don’t they remind you of the beauty of the desert? Buy these on Etsy here.

2. Harlequin Cash Envelopes


This set of 10 envelopes comes in bright colors and a diamond harlequin pattern. Includes labels and a paper insert for each envelope. Buy these on Etsy here.

3. Stacked Cash Envelope Set


Keep your envelopes together with this unique organizational system. Designed to fit your favorite planner, specify the size you need at the time of your order. Buy these on Etsy here.

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4. Zippered Fabric Cash Envelope Wallet


If you’re interested in cash envelopes that are not only stylish but durable, this custom wallet is for you. Choose from 4-10 zippered fabric envelopes in a gray and natural chevron pattern. Perfect for carrying your envelopes on the go. Buy this on Etsy here.

5. Laminated Personalized Cash Envelopes #56


Pick up this cute set of patterned envelopes in coordinated designs to keep your cash organized. This budget-friendly option contains four envelopes. Buy these on Etsy here.

6. Zippered Monthly Cash Envelopes


These zippered envelopes have patterns that correspond with the 12 months of the year. Each envelope has a plastic window and a paper label that can be easily changed to suit your budgeting needs. Buy these on Etsy here.

7. Colorful Envelopes with Simple Script Labels


This collection of brightly colored rainbow envelopes comes in a set of six. Made with a thick paper, the simple script labels can be customized to fit your needs. Buy these on Etsy here.

8. Floral Mandala Cash Envelopes


This stunning set of envelopes is made of laminated cardstock. Choose the size and number of envelopes you need at the time of your order. Buy these on Etsy here.

9. Expense Tracker Colorful Cash Envelopes


Track your spending directly on these colorful envelopes. Available in sets of 10 or more! Buy these on Etsy here.

10. Burlap Cash Envelopes


Use these trendy burlap floral and chevron envelopes to organize your money. Buy extra for gifts! Buy these on Etsy here.

Dave Ramsey Cash Envelope Dividers

11. Cash Envelope Wallet with Tabbed Dividers


If keeping track of your cash envelopes is a chore, try this laminated tabbed wallet instead. Customize it with your choice of fabric. Buy this on Etsy here.

If you want to use cash envelopes with credit cards here are some tips. This approach allows you to maximize points for free travel.

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How has the cash envelope system made a difference in your spending? Share your thoughts below.

Filed Under: Budgeting, Debt, Money


A6 Budget Binder and 12 Cash Envelopes for Budgeting, Budget Envelopes for Cash System | Money Envelopes for Cash Organizer | Budget Binder with Cash Envelopes | Money Pouches for Cash Envelope Binder

A6 Budget Binder and 12 Cash Envelopes for Budgeting, Budget Envelopes for Cash System | Money Envelopes for Cash Organizer | Budget Binder with Cash Envelopes | Money Pouches for Cash Envelope Binder


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Product Details

  • ❤️ Saving Money in Style - Get organized with the Saveyon premium PU leather binder with 12 clear money saving envelopes, 12 colorful cash envelope labels, and access to our 50+ budgeting envelopes insert and printable library! While most often used with the cash envelope system as the perfect money organizer for cash, this budget binder with zipper envelopes is great for all ages and types of organization!
  • 📘 The Magnetic Money Saving Binder - You will love the 4 card slots, 2 large pockets, 2 pen loops, along with the smooth and secure clear reusable envelopes of this savings binder with modern magnetic closure. We also made sure our high quality 6 ring money binder has just the right amount of spring tension.
  • 💰 More Than a Cash Envelope Wallet – Our refillable budget book with cash envelopes is a popular cash binder because you can always see your cash at a glance. It's not only for the cash envelope budget system though! Many happy customers also use this product as a receipt organizer, coupon organizer for purses, sticker binder, budget wallet, or personal planner!
  • 🖨️ Bonus Budgeting Binder Printables! Each purchase includes access to over 50 free cash budget binder and planner printables including budget sheets, monthly calendars, todo lists, note sheets, expense trackers, and more! (physical sheets are not included with this product - see package insert for printable instructions)
Item Weight12.4 ounces (351.54 grams)
Package Dimensions9.21 x 6.02 x 1.93 inches (23.4 x 15.3 x 4.9 cm)
Material TypeFaux Leather
Manufacturer Part NumberA6PNK
MaterialFaux Leather
Number of Pieces12


A6 Budget Binder and 12 Cash Envelopes for Budgeting, Budget Envelopes for Cash System | Money Envelopes for Cash Organizer | Budget Binder with Cash Envelopes | Money Pouches for Cash Envelope Binder

Customer Questions & Answers

  • Question: Subscription? What is the subscription purchase option for?

    Answer: This option gets setup by default on most listings for someone needing to buy many units on a consistent basis. Thanks for your interest.
  • Question: Are the envelopes pvc or eva? thanks!

    Answer: I believe they are PVC
  • Question: Can you fit all 12 envelopes in the binder with the money?

    Answer: Hi thanks for your question! Yes you can.. one important thing is you need to alternate the direction of the zippered envelopes so the zippers don’t hit each other then they all fit nicely! Thanks again

Customer Ratings

46 customers ratings

  • 5 Star 82%
  • 4 Star 11%
  • 3 Star 4%
  • 2 Star 1%
  • 1 Star 2%

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Customer Reviews

Gl•• ••ys

October 11, 2021

I’m impressed how cheap it is

Your browser does not support HTML5 video.  It was just what I wanted it is it to use and the material is really good , I order another one for my daughter as well

Ka•• ••es

September 23, 2021

Good aside from plastic envelopes

The plastic zippers on the envelopes are so bulky that you can’t close the book with all of them in it. I took some out and alternated some upside down to make most of them fit, it’s good otherwise.

Am•• ••er

September 12, 2021

Very cute budget binder for a great price.

I really loved the budget binder and all the envelopes that came with it. It is not as sturdy as I expected it to be, I feel like if you accidentally put something heavy on top of it it would bend the binder out of shape. Other than that I really love my pink budget binder. It came with stickers to help me keep track of the different things I want to budget.

Br•• ••on

August 10, 2021

It’s great if your trying to learn how to save

I love it so far !!! Doing great on saving

Mi•• ••ke

August 7, 2021


Very easy to use and super cute

Ri•• ••ri

July 30, 2021

Get it!

Perfect for budgeting!

Ca•• ••er

July 8, 2021

Worth it

Good for budgeting

ס•• ••ו

June 21, 2021

Ro•• ••on

June 14, 2021

Business organization

Work like a charm

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[ Wide usage scenarios ] Suitable for school, office, travel and family as a money organizer for cash. [ Portable design ] The size of the binder is 7.4x5.1 inches, and it is designed with 6 pre-punched holes, which can be arranged together in the PU notebook binder, suitable for your purse, backpack, suitcase or desk. [ High-quality PU leather and durable material ] Anti-tear, waterproof, file safety. The budget envelope is convenient for storing money, cards, stamps, tickets, pens, etc. There are pen sleeves on both sides, suitable for storing pens. The magnetic buckle can be tightly attracted by a powerful magnet, which is very convenient. [ Easy to Use ] each binder is designed with 6 pre-punched holes. Just press both ends of the switch to open the loose-leaf ring of the binder cover. After installing the zipper clip or paper, press down on the ring. Even if the machine is turned on and off repeatedly, the installation will not damage the money binder. [ All-in-one cash budget system ] with the category stickers and expense budget sheets, you could easily handle your bill and get organized; Such a practical combination will help you keep a detailed track of your cash inflow and outflow, spend well, stay out of debt, start saving, set and achieve financial goals. Material:pu colour:pink Package Contents: 6 * transparent bags 5 * separator pages 1 * blank label sticker 1 * Gel pen (The style is random, the specified is not accepted) 1 * binderOnly the above package content, other products are not included. Note: Light shooting and different displays may cause the color of the item in the picture a little different from the real thing. The measurement allowed error is +/- 1-3cm.


[Compact Cash Budget System] - The zipper envelopes are durable and great for all types of organization. Also includes budget sheets, it can perfectly replace the usual cash envelopes as the compact money organizer for cash or savings binder. [Multifunctional PU Leather Binder] - Made of high-quality PU leather, smooth, durable, and waterproof. With 4 card slots, 2 large pockets, 2 pen loops, which is convenient for storing cards, stamps, tickets, pens, etc. And the magnetic buckle is easily open and close to protect your privacy. There are 6 high-quality stainless steel binder rings with the right amount of spring tension, that ensure you to add or remove zippered clear envelopes and budget sheets flexibly. [Widely Use] - This refillable planner with clear envelopes is perfect for cash envelopes for budgeting because you can see the contents of any envelope at a glance. The envelope with the zipper can be used as a budget wallet, receipt organizer, coupon organizer, sticker organizer, which can avoid the contents of the envelope lost. You also can fill the paper into the PU leather binder as a notebook or hand account. [Easy to Carry] - The mini binder cash envelope wallet is small and light, it's suitable for schools, offices, travel, and families. You can manage cash and receipts storage, use include colored labels that are convenient for you to mark, manage and organize, and monitor cash receipts and payments anytime, anywhere. Also, the personal planner binder is the best choice to be a gift of birthdays and various holidays for your family, friends, and colleagues. Colour: pink Material: PVC Package Contents: 1 x PU leather notebook 12 x transparent A6 binder zipper envelopes 12 x budget tables 2 x self-adhesive color labelsOnly the above package content, other products are not included. Note: Light shooting and different displays may cause the color of the item in the picture a little different from the real thing. The measurement allowed error is +/- 1-3cm.


Envelopes cash zipper

Want to keep more of your hard-earned cash? Try keeping your money in cash envelopes. 

Ramsey's cash envelope system is nothing new—it’s been around for decades. But some people still don’t know exactly how or why it works. Let me show you! (And if you hang with me until the end, I’ll tell you how to make using cash envelopes more fashionable than ever.)

What Is Dave Ramsey's Envelope System?

The envelope system is a way to track exactly how much money you have in each budget category for the month by keeping your cash tucked away in envelopes. At the end of the month, you can see how much cash is left by taking a quick peek in your envelope. How easy is that?

If you’re constantly going overboard in a certain category (hello, food!), then take cash out for the amount you’ve budgeted for and stick it in an envelope. When you shop for that category, only use what’s in your cash envelope. Once the money is gone, it’s gone—so this will force you to stop overspending and help you achieve your money goals faster!

How the Envelope System Works

One of the reasons we overspend is because there’s nothing telling us when to stop. That’s where your cash envelopes come in. They’re a great tool that will help you stick to your budget. Here’s how to use them:

1. Think of the budget categories that need a cash envelope.

It’s a good idea to use the envelope system for items that tend to bust your budget. Think of things like groceries, restaurants, entertainment, gas and clothing. 


Start budgeting with EveryDollar today!

You get to decide which budget categories get an envelope, but here are a few I find most helpful:

  • Groceries
  • Restaurants
  • Gas
  • Medicine/pharmacy
  • Hair care/makeup
  • Car maintenance
  • Personal
  • Entertainment
  • Gifts

2. Figure out your budget amount.

If you know you tend to overspend on things like baby showers, birthdays and impulse buys, then look at limiting that to a certain amount for the month. If groceries are always zapping your cash, figure out how much you want to spend on them and then stick to it!  

Make sure you and your spouse are on the same page with the budget amounts. And if you’re single, recruit an accountability partner who is committed to holding you to your budget. This could be a friend, family member or coworker who you trust and know is on board with the money principles you’re putting into practice.

3. Create and fill cash envelopes for the budget categories.

Let’s say you’ve budgeted $500 a month for groceries. When you get your first paycheck of the month, take out $250 from your bank account and put the cash in an envelope. On that envelope, write out Groceries. When you get your second paycheck, do the same thing again and put that $250 in the envelope. That’s your $500 food budget for the month.

Make sure you take enough money with you to cover your groceries for that trip. If you take $150 cash and your total comes to $160, take some things out of the cart and put them back. I know, I know—it’s hard! But it’s better than going over on your grocery category and busting your whole budget for the month!

And on the flip side, if you don’t spend all of the money from the groceries envelope when you’re at the store, make sure you put any change you get back in the cash envelope.

No money—and I mean zero money—comes out of that groceries envelope except to pay for food at the grocery store. If you go food shopping and leave the envelope at home by mistake, turn your car back around!

4. Spend only what you’ve put in each cash envelope.

Don’t forget: When your money’s gone, it’s gone! If you want to go to the store but don’t have enough money, raid the fridge for leftovers. Do a pantry challenge! Dig through your pantry to see what you can find to make dinner without having to hit the grocery store. This is a great way to really get intentional about your spending habits!

Advantages to Using Cash Envelopes

  • It keeps you on track.
  • It enforces discipline.
  • It holds you accountable.
  • It makes it pretty hard to overspend.

What If I Pay Some of My Expenses Online?

Here’s the thing with the envelope system: It works better when you’re actually physically walking into a store to make a purchase. Shopping at the grocery store, going out to eat, getting a haircut or oil change are all times when using the envelope system works really well! 

You can still use cash envelopes for online purchases, but it does get a little trickier. Write the amount you’ve budgeted for on the outside of the envelope and don’t spend more online than the amount you’ve jotted down. Keep track of how much you’ve spent and write it on the back of the envelope, just like if you were balancing a checkbook.

What if I Run Out of Money in My Cash Envelope?

Be careful not to borrow from the other cash envelopes. When it comes to the envelope system, it can be really tempting to shuffle cash from one category to fund another.

Let’s say you used up all the money in your restaurants envelope—don’t be surprised if some inner voice tells you to grab your clothing envelope.

Remember, the whole purpose of using cash envelopes is to control your spending and help you stick to your budget.

If you run out of restaurant money, eat leftovers instead of going out. If you see your gas money slipping away faster than you planned, limit your trips or start carpooling to work. Find creative ways to make your money stretch when the envelopes are getting low! 

What About Emergencies?

If you have a crisis come up in the middle of the month or something happens and you have absolutely no choice but to shift your cash envelopes around, call an emergency budget meeting to talk it through.

If you’re married, talk with your spouse and figure out the best course of action, adjust the budget, and agree on it together. Both of you must be involved—it’s a joint decision. Or if you’re single, run the amounts by your accountability partner to get their input. 

What if I Have Money Left in My Cash Envelope at the End of the Month?

If you have money left in an envelope at the end of the month, congratulations! You came in under budget! That’s the best feeling in the world. And it’s okay to celebrate too . . . within reason.

Reward yourself by going out to dinner or grabbing a pumpkin spiced latte. Or roll the money over to next month so you have an extra-large food budget. Rewarding yourself is important because it helps keep you motivated. You have to celebrate those little wins along the way!

And if you’re in Baby Step 2, take that extra cash and put it toward your debt snowball. Every little bit helps!

Remember, cash envelopes are powerful weapons in the fight against overspending. They can help you manage your money better than you ever have. Put the Ramsey envelope system to work for you and get intentional about how you’re spending your money! 

Okay guys, since we’re talking about the envelope system, I want to tell you about my wallet! It’s beautifully designed and will empower you to use your cash envelopes and budget the way you want to.

Here are some of my favorite things about the wallet:

  • Four interior envelopes for cash
  • Ten slots for debit cards and gift cards
  • A zippered coin, coupon or receipt pouch
  • Soft genuine leather that will last years and only grow in character as time passes
  • Wristlet with zip-top closure
  • It helps you budget and fits your lifestyle

Rachel Cruze Cash Envelope System Wallet

This Wallet Takes Your Cash Envelopes to the Next Level

To create this wallet, I’ve partnered with JOYN. They provide fair-trade jobs to vulnerable locals in India so they can have dignity, livelihood and a future.

So, while you’re saving money and working to change your family tree, so is each person handmaking this wallet. As much as I believe using these wallets can change your life for the better, I know it will do that for the people making them as well. Get yours today!

Take Your Envelope System Everywhere!

This genuine leather wallet has a built-in envelope system so you can stay accountable to your budget.

Get the Wallet

Mom went out, then some twitchy came, sat down on the sofa. She barely perceptibly fidgeted on the sofa cushion, and Erno seemed to have guessed what was the matter. On the warm floor Erno made his. Way to the cherished ajar door and began to watch his mother, who had just entered the bathroom, who was taking apart the basket of laundry and loading everything into the washing machine.

White, white, his mother hummed, strangely wiggling her backside.

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