Find us on Google+ Pinch A Little Save-A-Lot: Weekend Project: $2 DIY Cash Envelope

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Weekend Project: $2 DIY Cash Envelope

One of my New Year’s Resolutions is to contribute even more to my emergency fund. I’ve read articles in the past explaining how easy it is to save if you skip your morning stop at your favorite coffee shop or if you automatically transfer $30 from each paycheck into your savings account. It’s frustrating because my husband and I live within a strict budget, so there are no frills to cut and no “extra” money to save.  We needed a way to save without going into the red each month, so two years ago my husband and I started using cash for the majority of our purchases; which has actually allowed us to save.  We still use our debit card occasionally for bills, but 90% of the time we pay with cash.  No more guessing how much money is left in our account and getting slapped with expensive overdraft fees. If we have extra cash at the end of the month, we have 3 options: add it to the next month's budget, put it toward paying off a debt or place it in a savings account. The bonus is all of the change you accumulate when paying with cash! I use the quarters for laundry and save the rest :)  I've tried just about every way to organize and keep track of my cash. This is by far the simplest way! I've had this adorable Mary Engelbreit bag for years so I just needed the expanding file, which I found at Goodwill for $1.99!

Money bag or pencil bag
Check size expanding file (plastic)

Remove the expandable dividers from the expanding file.
Measure your bag and cut the expanding dividers to fit, making sure to keep one end intact which will help keep all of the dividers together.

 Label and start sorting your moolah! 

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  1. cute Idea I am visiting from Sumo's Sweet Stuff

    1. I’ve seen cash envelopes being sold online for $20, but I figured they could be made for a lot less. Thanks for stopping by Kate.

  2. This is a really neat idea! I have numerous white envelopes to sort out the cash, we too do not use credit! It's hard, sometimes very tempting, but so worth it not to. I am going to have to make myself a pretty cash envelope.

    1. You’re so right living without a credit card is hard, but using cash really helps me stay on budget. I tried the plain envelopes at first to; trying to keep track of them was frustrating. It’s nice having everything in one envelope. :)

  3. Thanks for linking up to Serenity Saturday Link Party!
    Hope you can join me again tomorrow

    Natasha xx

  4. Replies
    1. Hi Stacey! My cash envelope has 6 categories; gasoline, groceries, entertainment, extras, household goods and savings.

  5. We have been using the cash system for about a year and half with the bulky expandable file. I'm thrilled to find this cheap easy solution to something more practical and cute. Thanks for sharing.

  6. Thanks for the great tips! I think that you and your husband were absolutely right when you decided to use cash for the majority of your purchases. I do not have a credit card and I can call myself a happy person because I do not have any debts. Also I try to be frugal and regularly put some money to the emergency fund. Once I had a financial emergency so I decided to get money without credit checks to deal with it because I had no personal savings. I don’t want it to happen again, so I try to save 10% of my monthly income for emergencies.


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