我付现金的信封系统

If you’re considering a cash envelope system or if you’ve dabbled with it and didn’t succeed, my goal with this post is to share the categories that I pay cash for in our budget.

此帖子包含的联盟链接。

Using envelopes has been the number one way that I have managed to live within a budget. I started using the envelopes after readingThe Total Money Makeover by Dave Ramsey. It is the best book to read if you are just starting out or if you need some motivation to get back on track!

为什么要付现金?

Paying cash has tons of benefits when you are budgeting. It brings a sense of control when you physically separate the cash into categories and envelopes and cuts you off when you are out of money, which a credit card or debit card will not do. It’s also more painful to pay for things in cash which makes you intentional and cautious about what you are spending money on. In fact, research has been done that supports why paying cash is more painful to consumers than using a credit card or a gift card.

“越透明付款流出,更大的厌恶花或更高“支付的痛” ......从而减少透明的支付方式,如信用卡和礼品卡(相对于现金)被更容易地度过或播放或处理的垄断钱。'”

-Psychology今天

In a 2008 study, researchers Raghubir and Srivastava argued that using credit cards dulls the ‘pain of paying’ for two important reasons. The first is the separation in time between when the credit card is used to buy something and when the bill has to be paid. The second is that using a credit card allows different purchases to be mixed together, so when the bill is actually paid, you are not able to attribute the payment to any one particular purchase.

我用现金

当我告诉人们我用信封系统和pay cash, there is often a misconception that I pay for everything in cash or checks, which is not true. Here is a breakdown of the categories in our budget and what I use to pay for each.

Automatic Debit Draft

These are scheduled payments that happen automatically.

  • 公用事业
  • Cell Phone Bill
  • 抵押
  • 人寿保险
  • 汽车保险
  • 清洁服务
  • 助学贷款
  • College Savings Program
  • Daycare (check)
  • 车款(检查)

你知道你可以要求一个特定的到期日为你付出几乎所有的账单?如果你觉得通过支付账单,因为他们似乎属于在不方便的时候也许他们都是由于在同一时间不知所措,你可以打电话申请新的截止日期。大多数主要的公司可以选择在网上,当你为你付账单,以及。我曾亲自发现,这是有益的尝试安排我的自动支付账单朝月结束,所以我可以在月初收回现金为我的信封。

Debit Card

  • 加油站
  • 在线购买

现金

以下是类别,我使用现金,这意味着这些类别的每一项都有一个信封。有些人没有得到粒状他们的信封,但是这可以帮助我真正看到和感觉,其中我们的钱是怎么回事,和它拥有我负责的是特定的。如果我有一个叫“食”通用信封,我可以很容易地从该类别中的邻居证明在Target和女童子军饼干前往星巴克,比萨饼之夜,小吃。相反,我有杂货店,餐馆,杂货批发和支出的钱的信封。我尝试在杂货店购买只杂货非常艰苦,我考虑的是我提到的我花钱一部分其他的事情,因为他们是真正不必要的。

以下是类别和我每月分配约计金额:

  • 日用品$ 400
  • Wholesale club- $400
  • 餐厅 - $ 80-100
  • Babysitter
    • I only include money in the babysitter envelope when we have something scheduled that month to require one.
  • Special Month
    • 这是我提出的具体现金的特殊事情发生一个月的信封。即生日,旅行,婚礼,登记费运动,聚会,理发,事件。在月初我看我们的家庭日历,并估计多少钱,我们需要基于什么是在日历上。
  • Pharmacy- $ 50
  • Home Improvement- $50
  • 服饰$ 50
  • 活动 - $ 50
  • 汽车Repair- $ 50
    • 我总预算$ 50有更小的东西可以拿出像换油这一点,但如果我们不使用它,我将它放在一边和偿债基金以保存更昂贵的汽车维修是在未来不可避免的。
  • 爱婴$ 50
  • 花钱(我们每人拿我们自己) - $ 250每

花钱

One of the questions I was asked a lot recently was how you decide how much spending money you should get. I don’t think there is a right or wrong answer for this, I think it depends on the person and the other categories in your budget.

当我刚开始的预算,我很瘦与花钱。我想只需要$ 100一个月,因为我想每一美元挤掉了我们的预算,使进度更快。最后我感觉真的限制,使得它很难留在轨道。我觉得有很多的预算和节食之间的相似性。如果你节食,你剥夺自己,并试图让太严了你吃什么,你风脱落的旅行车。我宁愿装置缓解了我们花钱,希望我不会使用它,比感到绝望和买东西,我买不起。几个月我们得到更多的花钱比别人,这取决于其他人是怎么回事。如果我们要去旅行还是有很多不寻常的费用一个月花钱有时会下降。

花钱应该算是免费的钱做你想要与任何。如果你与你的配偶预算,我建议制定基本规则花钱(即我们都用花钱去理发,服装,外卖工作)。你不想一个人在工作日期间,而其他人正在使用它自己的零用钱被刮去餐厅午餐的预算。以决定是否应该有人用花钱另一种方式是,如果购买只会获益的人,而不是整个家庭。除此之外,它是你做你想要什么,你不应该评论或批评其他人使用它了。

我希望这个信息解答了您关于信封和支付现金的问题,并激励你试试看!如果你正在寻找一个预算模板,可以肯定的而你在这里获得免费的谷歌表模板订阅我的邮件列表。

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