If you are on a mission to save more money, budget like a pro, and be mindful of your spending habits then you are not alone! Millions of people are trying to figure out how to tighten their proverbial belts when it comes to the distribution of their hard-earned dollars. If you’ve visited the Finance Printables section of our site then you’ve come across many useful free printable resources to help you out, such as No Spend Challenge Printables, 50/30/20 Budget Templates, and Monthly Budget Planners, just to name a few. To add to this list of printable financial resources we’ve added these Free Printable Cash Envelope Budget System Sets to help you reach your financial goals.
You may have heard of the Cash Envelope System before, commonly called “cash stuffing” or “envelope budgeting”, in which case you know that the idea is to use only cash for as many expenses as you’re able. The cons of envelope budgeting are primarily that it can require a lot of cash and it means you have to carry some cash around – like the old days! But let’s be honest, it is without a doubt harder to part with cold, hard cash than it is to spend invisible/digital money attached to a credit card. So while this may be viewed as a con it could be argued that it is another benefit of using this budgeting method as it helps to curb your spending habits by forcing you to evaluate whether or not you really need to purchase certain items. Further, the pros seem to outweigh the cons if you’re struggling to get your spending under control. To point, this budgeting method can help avoid impulse purchases, help visualize where money is actually being spent, and can be a great teaching method for the “digital natives” that are our kids!
So, if you want to give it a try, here is a quick primer on how envelope budgeting works! After setting your overall budget, you then use envelopes labeled with your budget categories (groceries, gas, hobbies, subscriptions, clothes, vacations and travel, and so much more! We have pre-printed labels as well as blank ones so you can cover everything!) and put the exact amount of cash in each respective category that you budgeted for that period – usually a month at a time. Then, when it comes time to make purchases, you use the cash from the applicable envelope and track your purchases. When there is no cash in any given envelope, you know you are out of money for said budget category. So long as you have the self-discipline to not “steal” money from other envelopes and shift them to another category/envelope, then in theory you should be able to stick to your budget as you’re forced to recognize that the money is literally gone/spent for any given category. After your budget period is over, you can then set a new budget, reset your envelopes and/or add new ones, distribute funds as needed, and start over. Simple yet extremely effective!
If you always wanted to give the cash stuffing/cash envelope method a shot, you’re in luck! We’ve created everything you’ll need, whether you want to go the full DIY route or simply pick and choose which printables you use from the ones below. All of our printable cash envelope sets are available in 7 matching designs and include the following that you can pick and choose from: budget sheets, 4 different cash envelopes, category labels, and inserts. We’re 100% confident you’ll find exactly what you need to start budgeting as soon as possible, and as a bonus, you won’t spend any money on setting it all up!
To get your preferred Free Printable Cash Envelope Budget System Set, all you have to do is scroll through the design options available below, download the PDF files to your computer, and print! Then you just have to follow the directions on the printables involving a little bit of cutting and gluing or taping to assemble these easy-to-put-together cash envelopes, as well as a little work for the other printables (the budget sheet, labels, and inserts if you choose to use them inside of your envelopes instead of on the outside), and you’re off to the races!
We wish you all the best in your budgeting and saving efforts!
Please note that further below, the printable envelopes are shown on a solid green background. This does not mean they are solid green but rather designed as pictured. The solid green background simply indicates that each PDF file has 4 different printable envelope options for you to choose from for your cash envelopes. No matter what envelope or design you choose, every one comes with instructions on how to make your own envelope for your cash stuffing budget.
Printable Budget Sheets
Printable Cash Envelopes
Printable Envelope Category Labels
Click the image below of your preferred envelope category label design. Each image below opens a PDF with both portrait and landscape-oriented labels to match the orientation of your chosen printable envelope and its matching design.
Printable Envelope Inserts
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