Money Envelopes

Cash stuffing without the cash. Split one savings account into envelopes for yearly bills, repairs, the holidays and anything else that comes once a year, so the big costs stop being a surprise. You get a spreadsheet (Excel and Google Sheets) and 11 printable A4 pages.

• Works out what to put in each envelope every payday, for monthly, 2-weekly, 4-weekly or weekly pay
• Short this payday? The sheet fills priority 1 envelopes first, and the rest catches up over the next paydays
• Yearly bills that roll over by themselves, save-up goals, refill funds and spending envelopes
• "What am I forgetting?" list of 27 common yearly costs, a holiday planner, and envelope cards with a colour-in progress bar
• Checks that your envelopes add up to your savings account balance

Already have the Paycheck Planner? It has one simple sinking funds page. Money Envelopes is the full system.

Digital download: 1 spreadsheet and 1 PDF. You get instant access after checkout. Because it is a digital product, all sales are final. A general budgeting tool, not personal financial advice.