Do it Yourself

How to Organize Your Monthly Cash Budget

I try to spend cash as much as possible and stay within my budget. I find it easier to stick to my budget by keeping my cash organized in and accordion file.

This way I never forget what money is designated to what household category.
Take a look at the video I made explaining how I organize my monthly cash budget.
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What are your budgeting, couponing or organizing challenges? I’ve been doing this since 2008 and would love to share some tips with you. 

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8 thoughts on “How to Organize Your Monthly Cash Budget

  1. This is a great idea. I always have a hard time budgeting in healthy food and getting my husband to budget period. He like to just spend and not keep track very well.

    1. It can take time for a spouse to get on board. My husband and I weren't always on the same page. I honestly used to sneak and save money here and there. I'd spend less on groceries, hygiene and call and ask for discounts on bills. Once I started showing him how much I'd saved, he came around with time.

  2. My husband and I have practiced taking cash out for groceries. Makes it A LOT easier to watch how we're spending our money.

    1. I use them inside of the sections sometimes, especially for ones like kids and fun. It's easier than taking the whole accordion with me when shopping from one of the sections.

  3. I have friends who use the envelope system. It seems like it would be very useful… and i'm sure early on there could be issues with stealing from the essentials!

    1. Early on I did redistribute money from one section to another, so it does take discipline. Now it's not an issue since we don't carry debt except our mortgage, we are able to save more and budget appropriately for each category.

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