Do it Yourself

How to Organize Cash Envelopes using Dave Ramsey’s Financial Peace University

How to Organize Cash Envelopes using Dave Ramsey's Financial Peace University

Germaine and I have been using cash envelopes for over a decade and we absolutely love the control it gives us over our money. I can clearly remember when we decided to start using envelopes to manage our cash. It was around the same time we decided to cancel our credit cards. The fear that gripped me when we cut up our credit card was scary, but it was one of the best financial decisions we’ve ever made.

Over a decade later I realize I’d been swayed into believing I had to have a credit card to be considered normal, to pay for things and for have in case of emergencies. That was so far from the truth. The financial freedom that came from learning about money and how it works led to using cash envelopes and becoming financially free.

In today’s video, I break down exactly how we organize our cash envelopes.

You’ll learn:

  • what our envelope categories are
  • how often we fill them
  • some thoughts on amounts
  • and more! 
If this video helps you in any way, I’d love for you to thank me by subscribing to my channel and continuing the conversation in the comments. It let’s me know the content I’m creating is what you want to see. 

Thanks for watching! For more on how we manage our money check out our budget archive.


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    9 thoughts on “How to Organize Cash Envelopes using Dave Ramsey’s Financial Peace University

    1. I'm not working now and money is tight. This envelope idea would be great for budgeting!

    2. I love using Cash Envelopes! I love Dave Ramsey's Financial Peace University as well. I am currently re-reading his Complete Guide to Money.

    3. I haven't had a credit for a year now. I miss the ability to buy things whenever I need them, but my head tells me better as I won't give in to the temptation. I'll watch the video on how to organize the cash envelopes.

    4. This is a really cool concept. I can definitely see how using cash envelopes could help us keep track of our money more effectively.

    5. I love this!! I am a huge Dave Ramsey fan, the cash envelopes are a great way to manage your expenses and your finances as well!

    6. Ahhh, cash envelopes!! Going back to the basics is always helpful. I think technology is a gift and a curse lol.

    7. I remembered using cash envelopes when I was a club treasurer in high school but haven't been using it for ages. This is a good idea to keep cash balance.

    8. I believe it was David Ramsey who also said to put your credit card on ice–literally. That way you would have to defrost it before using it!! Using envelopes is a great way to learn budgeting!!

    9. Great way to organize your money. I just wish the video was not to the side but up right.

    Let's continue to conversation in the comment section.