tag:blogger.com,1999:blog-6419684017931883072.post6251899957866737967..comments2023-10-05T06:31:44.750-07:00Comments on A Cultivated Nest: The Envelope SystemManuela@A Cultivated Nesthttp://www.blogger.com/profile/08282273791971364124noreply@blogger.comBlogger45125tag:blogger.com,1999:blog-6419684017931883072.post-11500209806439723922010-01-17T19:52:30.734-08:002010-01-17T19:52:30.734-08:00I just started using the envelope system at the be...I just started using the envelope system at the beginning of this month. It's such a simple yet very effective way to keep spending under control. So glad to see that it's working for so many others as well.Wendyhttps://www.blogger.com/profile/08461171802235341529noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-9662234742581658132010-01-17T19:19:44.214-08:002010-01-17T19:19:44.214-08:00This is a great post! Our church did the Dave Rams...This is a great post! Our church did the Dave Ramsey seminar, but it was held on an evening we couldn't attend.<br />I'll check out the link!Suzannehttps://www.blogger.com/profile/00402899189526005388noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-72230377906882821102010-01-16T22:42:49.035-08:002010-01-16T22:42:49.035-08:00I use the exact same system on vacations - each da...I use the exact same system on vacations - each day when we wake up, we each get a new envelope with the days spending money. If you had some left from yesterday, GRAVY! And once its gone for the day, you are done! (Works ESPECIALLY well in Vegas, LOL)Anonymoushttps://www.blogger.com/profile/11936405390121535135noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-39531204542832640302010-01-14T05:56:11.109-08:002010-01-14T05:56:11.109-08:00Hi there Manuela,
What a marvellous, great post! J...Hi there Manuela,<br />What a marvellous, great post! Just to let you know I am trying this 'envelope system' after reading your post here but by using some free 'Angpows Envelopes' that I have kept somewhere :)<br /><br />Thank you again!Anonymoushttps://www.blogger.com/profile/03290666344592826954noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-44529188374389211172010-01-13T14:13:50.845-08:002010-01-13T14:13:50.845-08:00We used to use the envelope system, but got out of...We used to use the envelope system, but got out of the habit of doing it a few months ago. I really need to break them out again next month though, because we are overspending many categories.Rachel@ Life in #3http://sugarloaf10.blogspot.comnoreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-61643842885509217452010-01-12T09:02:02.006-08:002010-01-12T09:02:02.006-08:00I'm actually in LOVE with Dave Ramsey!!! He ha...I'm actually in LOVE with Dave Ramsey!!! He has completely changed my life and I go through withdrawl if I don't get to listen to him every day on the radio. = ) <br /><br />Great post! Thank you!Cherylhttps://www.blogger.com/profile/09348551407566091464noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-2089927401487115292010-01-11T15:28:36.101-08:002010-01-11T15:28:36.101-08:00I have heard Dave talk about the envelope system m...I have heard Dave talk about the envelope system many times. I have never tried it, although I do try to follow allot of his recommendations, This is one I really need for the grocery store and the thrift store. I'm not really that bad with any other shopping. Thanks for sharing, this was very informative, and good to hear from someone who has actually used the system.<br /> SandyAnonymoushttps://www.blogger.com/profile/16580216068890540482noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-31787673480280525922010-01-11T08:36:57.851-08:002010-01-11T08:36:57.851-08:00Love, love, love the Envelope System!!
Mike and I ...Love, love, love the Envelope System!!<br />Mike and I used this system for years and years with fantastic success. I also adapted the concept to save for the holidays!! This is a great inspiring post Manuela (as always).<br />Thank you so much for sharing all your good thoughts and ideas. <br />Love,<br />Tracey<br />x0xTracey McBride ~ Frugal Luxuries®https://www.blogger.com/profile/03043055986653442733noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-15936590881823710832010-01-11T06:26:30.234-08:002010-01-11T06:26:30.234-08:00Hi Manuela,
This is so funny, my husband and I wer...Hi Manuela,<br />This is so funny, my husband and I were just talking about showing our teenagers the real value of money. We use this envelope system to help us budget, especially after the babies came along. But through the last few years, we have just got in the mode of shopping for best price. My teenagers need to re-learn the fact that when the pocket is empty, it is empty. And that doesn't necessary equate to being "poor", which they have no idea about. It just means your are being a responsible consumer.<br />Have a great day!Crystalhttps://www.blogger.com/profile/09634577121355828510noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-1308538028187236532010-01-10T21:34:32.440-08:002010-01-10T21:34:32.440-08:00Hi Manuela~
I love this idea! I was not born a fru...Hi Manuela~<br />I love this idea! I was not born a frugal person, although I married one! My tastes are simple, but when it comes to my home, I can get SO carried away with projects that it's hard to keep it on budget! :) "Home Improvement" would be a very good envelope to use for us! I like the idea also of using envelopes for other categories like groceries, and saving what you don't spend towards something else! (Motivation to be keep spending down!) <br /><br />I love the envelopes you used, too! I never would have thought to do that! Oh, and those fabric envelopes are lovely! :)<br /><br />I hope you had a wonderful weekend!<br /><br />BLESSINGS,<br />JenniJennihttps://www.blogger.com/profile/13894298965540935785noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-66747132244599313952010-01-10T21:22:21.458-08:002010-01-10T21:22:21.458-08:00The envelope system is a great tool! Thanks for r...The envelope system is a great tool! Thanks for reminding me. I had stopped (can't remember why) but as part of my new 2010, frugal is definitely a "return to" item for us!<br /><br />sweetjeanette.blogspot.comsweetjeanettehttps://www.blogger.com/profile/15957879839911335079noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-5720139477784449892010-01-10T17:34:54.382-08:002010-01-10T17:34:54.382-08:00We went to our first Financial Peace University cl...We went to our first Financial Peace University class tonight. What an inspiration! <br /><br />Thanks, <br /><br />Mattymattyhttps://www.blogger.com/profile/06749881104429358524noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-44722952540788190412010-01-10T17:28:00.714-08:002010-01-10T17:28:00.714-08:00We love the envelope system and have used it for a...We love the envelope system and have used it for a couple of years now. We have many categories. It's so helpful when holidays and birthdays come to have a Holiday/Gifts envelope. Clothing envelope is really good, too. This system really makes us look at our purchases and make better decisions. Now, to start making prettier envelopes! :o)<br />Thanks for the post!<br />Kami<br />adayinthelifeofamissionarywife.blogspot.comKami Gimenezhttps://www.blogger.com/profile/02412304691385459497noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-65565205081993275682010-01-10T17:24:22.192-08:002010-01-10T17:24:22.192-08:00I use the envelope system when we go on vacation. ...I use the envelope system when we go on vacation. I figure out the amount of money I want to spend each day and divide it up before we even leave the house. I also include a little extra on day one and the last day to include airport expenses, etc. I LOVE the envelope system! I don't use it on a regular basis because we never carry cash unless we're on vacation.Heatherhttps://www.blogger.com/profile/14825073212179289053noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-43335977294737241292010-01-10T16:04:16.075-08:002010-01-10T16:04:16.075-08:00Manuela, I just told my husband that we're get...Manuela, I just told my husband that we're getting back on the envelope system! My grocery budget has also gone out of whack. This last year medical expenses have been a killer, so we've got to get back on track.Tanyahttps://www.blogger.com/profile/00872022519671092613noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-57276858326557444252010-01-10T16:00:06.696-08:002010-01-10T16:00:06.696-08:00This a great idea! I don't wear much makeup ....This a great idea! I don't wear much makeup ... sometimes go for days without any! I don't go much, although I do need to have an envelope with me when I go to the quilt shop or Hobby Lobby. Fortunately my hubby takes care of the finances...thank goodness!<br />Thanks for sharing this. I may order his book off Amazon..like the free shipping if it's over $25!<br />Blessings,<br />DonnaDonnahttps://www.blogger.com/profile/04375657997821880949noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-595347565974115572010-01-10T15:20:31.431-08:002010-01-10T15:20:31.431-08:00I hardly ever wear or buy makeup either. Seems so ...I hardly ever wear or buy makeup either. Seems so silly when I'm just going out in the garden more often than not. I don't go out but once or twice per week, so that helps. Of course there's those Etsy purchases. One thing to look forward to, Manuela. When we were forced to get a new heating system two years ago, sure helped our heating bills. Concerning the quilt you asked about. It probably took me a month or so to make it. And back then (in the nineties) I didn't have a sewing machine. I hand pieced and hand quilted. Neither my hands or eyes could do that now! I just loved it though! I cherish my quilts.<br />BrendaBrenda Pruitthttps://www.blogger.com/profile/14544794729410559072noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-2228144153504170952010-01-10T15:06:25.707-08:002010-01-10T15:06:25.707-08:00This really is a great system, and a pretty envelo...This really is a great system, and a pretty envelope makes it more bearable to budget, don't you think?:>)Kathleen Gracehttps://www.blogger.com/profile/11551093555973581448noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-71756038005447907672010-01-10T13:52:49.611-08:002010-01-10T13:52:49.611-08:00Great thrifty budget idea!Great thrifty budget idea!Sandrahttps://www.blogger.com/profile/01156513196197205803noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-35461091307685931872010-01-10T13:12:45.291-08:002010-01-10T13:12:45.291-08:00I think the envelope system has been and is a good...I think the envelope system has been and is a good system for keeping control of one's budget. Thanks for sharing. have a great week.GlorV1https://www.blogger.com/profile/06789212398770555465noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-12769045363924865942010-01-10T13:04:47.173-08:002010-01-10T13:04:47.173-08:00Manuela, we did the envelope system with our kids ...Manuela, we did the envelope system with our kids (now grown)becinnning in 7th and 10th grades. We gave them envelopes for clothes, school supplies, church tithe, food, etc. and said, "This is it. Don't ask for more. You'll get more at the beginning of the next month." It worked wonders! Our daughter started shopping frugally instead of and all of THE cool stores! Larry Burkett had actually written a book with this system and we employed it. I think I'll go back to that for the grocery store - you are right about being careless with the debit card! Thanks for the reminder. LindaLinda (Nina's Nest)https://www.blogger.com/profile/16122024641853223906noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-5544264416731542882010-01-10T12:57:01.528-08:002010-01-10T12:57:01.528-08:00Like others here, my husband and I used this syste...Like others here, my husband and I used this system as newlyweds- when we were both working. It was a wonderful way to get a handle on where we were spending, and how we were saving. After a while we didn't "need" it anymore.<br />If you havent' given this a try, it is worth it. <br />j.supplies overflowing!https://www.blogger.com/profile/02701676503667687058noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-87186512663481164612010-01-10T12:33:09.463-08:002010-01-10T12:33:09.463-08:00Have you heard of https://www.youneedabudget.com ?...Have you heard of https://www.youneedabudget.com ? This is the ULTIMATE envelope budgeting system! I've been using it for almost 2 yrs and love it. It's an actual budgeting program that you load and it replaces Quicken or your other software. What you do is set up categories (envelopes) and budget into them based on what you have available. So you're budgeting *in advance* just like using envelopes but yet you can use your debit card, cash, checks, etc and don't have to carry cash around if you don't want to.Lisahttps://www.blogger.com/profile/07551095409702472022noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-21381701631260251452010-01-10T11:31:39.765-08:002010-01-10T11:31:39.765-08:00They say that people that don't change bad hab...They say that people that don't change bad habits are afraid because it is "uncomfortable" to change. This would be uncomfortable for me. We don't get ourselves in debt but we use credit card for everything to equal points. I have often said that if we used cash only and actually "felt" like we were spending money we would shock ourselves. This is a great idea and I would love to try this. You are inspiring.Norma Lee @ Norma Lee Goodhttps://www.blogger.com/profile/05561580260451233386noreply@blogger.comtag:blogger.com,1999:blog-6419684017931883072.post-8818858012884844742010-01-10T10:51:28.986-08:002010-01-10T10:51:28.986-08:00Hi Manuela,
My family is also an avid Dave Ramesy ...Hi Manuela,<br />My family is also an avid Dave Ramesy fan! He has been a saving factor in our lives on many levels. The envelopes I use are just plain and get yucky after a couple of months...I definitely want to try to embellish them! Thanks so much for sharing!!!Sharlottehttps://www.blogger.com/profile/08685297014593446248noreply@blogger.com