Where does one get cash to put in envelopes? When I get cash and checks I put them in the bank to pay bills online.
My pay is direct deposited and I go to the bank and write a check for cash for my envelopes. I use the envelopes for food, gas, clothing & laundry, and DH’s business has its own envelope system. Using the envelope system keeps you from overspending in the areas that you use the envelopes for – if you actually use it as you should.
I use electronic “envelopes” because I also pay everything online.
Then, on my shopping day, I go to my first store, run my debit card, and ask for cash back equivalent to the rest of my grocery / gas money.
Everything else goes with debit card, and MVelopes helps to keep track.
I don’t feel comfy carrying cash.