What is Envelope Budgeting, and Does Envelope Budgeting Software Exist?

Envelope budgeting is a simple and systematic way of saving to pay bills and to maintain a personal budget. Using personal finance software built on envelope budgeting principles really puts you in control of your spending. Answer: Yes, there is software with envelope budgeting features that allows you to use this budgeting method without cash and envelopes.

First an explanation of what envelope budgeting is, then more on envelope budgeting software features and choices. How Envelope Budgeting Works • To use envelope budgeting, first establish spending categories for your budget and then set spending limits for the categories. As with any personal budget, when you add up the spending categories the total must not exceed your monthly income.

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