Cindy is a number-loving, money-saving expert. She pulled her own family out of debt. Now, she cuts through the nonsense and crunches numbers to find you the greatest value. When you join the Smart Family Money community, you'll get the tools you need to take control of your money. You will gain confidence in your financial future and freedom to spend your time on the things that matter most to you today. https://i.pinimg.com/originals/47/26/d6/4726d6bd927887f471294b3691c098f9.jpg
The Divide-It cash envelope system wallet is sold on Etsy for only $21.50 (at the time of this article) and comes with six blank tabbed category dividers. You can choose from a huge selection of fabric designs. This shop also sells custom labels for the dividers, spending logs that fit in the wallet, and coin and card pouches that fit inside the wallet; these are old sold separately from the wallet. https://i.pinimg.com/originals/88/d7/d4/88d7d433c1711f68d4358d7785dd654a.jpg
Aubrey – I have two 31 Utility Totes, two bags from Amazon and one from Walmart. The bags from Amazon are cheaper than 31 bags but are every bit as good in terms of quality. Further, the Walmart bag cost the least but, in my opinion, is the best bag. The only downside is there aren’t many fabric choices. Also, I had another 31 bag that I bought as a work bag, it was expensive and it fell apart. I do like the 31 bags (I think the fabric is pretty) but I would rather save money. https://i.pinimg.com/474x/64/7a/3c/647a3ce50f82a242ed20f428f38f6b1d--my-thirty-one-thirty-one-gifts.jpg
June has a fabulous special–for every $35 you spend on Thirty-One products you can get a Large Utility Tote for $10!  That’s a great deal.  In fact, at that rate you may just want to stock up on several Thirty-One Products like one of their cute purses or thermal bags, perfect for summer.  And then you will also have a Large Utility Tote for those car games, homeschool co-op books, gym gear, beach items and more.  Have fun breezing through summer with Thirty-One! https://i.pinimg.com/originals/8d/c5/b4/8dc5b456af1ba731875c269d963259b1.jpg
Along the way I started thinking I like this stuff and I want to get a bunch of it for free. And the rest is history. I now have a double hope chest JAMMED FULL of Thirty-One. It’s kind of ridiculous. AND I LOVE IT. Jimmy loves it too. He became a convert the minute he realized how much easier this stuff made our lives. We are both massive organization nerds. https://i.pinimg.com/236x/8c/a1/a4/8ca1a496b70bb91e751ef6129b6b696b--office-works-office-organization.jpg

This custom cash envelope wallet was made by a fellow Dave Ramsey fan. You can by this wallet for $50 on Etsy and it comes with 6 zippered fabric envelopes each with a vinyl tab to stick your category label. If you want different budget categories, the shop owner will create customized stickers for you. The shop is filled with different styles and fabrics (including a Mickey Mouse themed cash envelope wallet!).
Every woman needs at least one bag that she can depend on: a sturdy, fashionable, useful purse to carry all her essentials wherever she may need to go. Thirty One, a company started to help women own and build their own businesses, offers a wide variety of purses, tote bags, and accessory purses, along with wallets and other key accessories. Varying in size from beach totes and bucket-sized to smaller night-on-the-town models, there is a purse to suit every shopper’s personality and wardrobe. Thirty One bags come in many different styles and designs; for example, you can pick out a simple coin purse, a wristlet with room for money, cards, and a phone, organizing cosmetic bags, eyeglasses bags, jewelry bags, and more. Even picking out a simple Thirty One wallet offers the shopper choices in pattern, size, and design. To find Thirty One bags that offer the most functionality to the user, look on eBay to find new, used, and refurbished products. https://i.pinimg.com/originals/1b/f2/b3/1bf2b358f1eb34b8de398070708e9a18.jpg
Ladies, if you like bold patterns and bright colors, you may have a Thirty One wallet in your purse. These fashionable wallets are perfect for the woman who has a lot to do and needs plenty of space to store things. The organizing wallet has plenty of pockets for your credit cards, money, receipts, a pen and more. All the pockets zip to close, and you have the option to use it as a wristlet. If you need a coin purse because you?re tired of fishing around in the bottom of your purse, Thirty One has adorable pinch coin purses to hold all of your loose change. You even have the option of what material you want for your Thirty One wallet. You can choose a hard case made of sturdy plastic that has a magnetic closure. The soft wallets that you can find on eBay are made of cotton or canvas. All the wallets have personality and all sorts of fun designs. With so many designs, you may have a hard time choosing which on is your favorite. https://i.pinimg.com/236x/6b/72/66/6b7266996725873a083109eeb0936da1--kylie-jenner-makeup-products-kylie-jenner-hair.jpg
We currently have 2 Deluxe Utility Totes, one hangs out in our trunk for grocery shopping purposes and the second is for storing toys in our homeschool area. My boys are older, 11 & 13, however they still enjoy some of those simple little pleasures of being a kid. For them, that means cars. With the cars, also comes tracks and accessories. My boys can put the tote directly on their shoulder and carry it to the area of the house they want to set up in. While this tote is very large, it’s not too heavy or bulky for them to maneuver around on their own. Love this usage! https://i.pinimg.com/236x/7d/60/e2/7d60e2c64911851580acb07eb6a0ec7c--thirty-one-circles.jpg
We currently have 2 Deluxe Utility Totes, one hangs out in our trunk for grocery shopping purposes and the second is for storing toys in our homeschool area. My boys are older, 11 & 13, however they still enjoy some of those simple little pleasures of being a kid. For them, that means cars. With the cars, also comes tracks and accessories. My boys can put the tote directly on their shoulder and carry it to the area of the house they want to set up in. While this tote is very large, it’s not too heavy or bulky for them to maneuver around on their own. Love this usage! https://i.pinimg.com/280x280_RS/a8/0b/6a/a80b6ab517f6aaef89b871b90439cacb.jpg
Every woman needs at least one bag that she can depend on: a sturdy, fashionable, useful purse to carry all her essentials wherever she may need to go. Thirty One, a company started to help women own and build their own businesses, offers a wide variety of purses, tote bags, and accessory purses, along with wallets and other key accessories. Varying in size from beach totes and bucket-sized to smaller night-on-the-town models, there is a purse to suit every shopper’s personality and wardrobe. Thirty One bags come in many different styles and designs; for example, you can pick out a simple coin purse, a wristlet with room for money, cards, and a phone, organizing cosmetic bags, eyeglasses bags, jewelry bags, and more. Even picking out a simple Thirty One wallet offers the shopper choices in pattern, size, and design. To find Thirty One bags that offer the most functionality to the user, look on eBay to find new, used, and refurbished products. https://i.pinimg.com/originals/1b/f2/b3/1bf2b358f1eb34b8de398070708e9a18.jpg

One of our most popular items, the Large Utility Tote makes a great camping tote, sports equipment bag, picnic basket or beach/pool tote. Capable of holding heavy loads, this big tote makes the perfect storage piece or closet organizer for just about anything around the house, including toys, books, blankets, laundry, tools, seasonal clothing or shoes, holiday decorations, car care items and more. Wire support around the top allows it to keep its shape and stand up when in use, and collapse down for easy storage when not in use. https://i.pinimg.com/originals/f3/ef/30/f3ef30d476d8429a316c73c350713b23.jpg
Boasting an eyecatching brown and cream design, this Organising Wallet from Thirty-One is created to efficiently hold your essentials, making them easily accessible and stored safely. With a canvas outer and a double compartment, your items are sure to be kept safe. The detachable shoulder strap allows this bag to be carried on the shoulder, making it a perfect evening bag.
I just had a party with Monica Nickerson in West Allis, WI. She was the nicest, quickest to respond ...and most helpful women ever! She brought so many fun things to the show and was interested in what we needed. The show was perfect getting us ready for the holidays. I received the order and everything was beautiful! I’ll definitely be hosting again with Monica, she’s delightful and the products are amazing! See More
After an impromptu trip to the farmer's market, you are left trying to carry all of your purchases without dropping or losing something. A Thirty-One Large Utility Tote is roomy enough to carry all of your goods, and it easily collapses after you are through using it. It is an open-top bag, allowing you to fit items that are bulky or non-traditionally sized. A lid is available for the tote if you need to turn it into a closed bag. It has a metal frame so that it can support your heavy items without sagging. If you like a zip-top bag, the Thirty-One Large Organizing Utility Tote is available as a zip-top bag and an open-top bag. This product measures 10.25 inches in height, 15.5 inches in width, and 6.5 inches in length, while the Large Utility Tote is 11.75 inches high, 21.5 inches wide, and 10 inches long. The reliable sellers on eBay offer these products in different patterns so that you can find a tote that you enjoy carrying. A Thirty-One Large Camo Utility Tote is perfect for both men and women who prefer an outdoorsy look. With a Thirty-One Large Utility Tote, you can always have a bag available the next time you need an extra set of hands. https://i.pinimg.com/236x/d7/08/8f/d7088f21ec2478f31d14b7c47928c9a3---organization--ideas.jpg?b
For at least a month, try the basically-free method of using standard white mailing envelopes (or any of the other cheap DIY cash envelope organizers). Label each envelope with a budget category, stuff them with cash, and put them in your purse. If you stick to this system for a month or more, and find that it is helping you curb your spending and stay within budget, then invest in a special cash envelope wallet. https://i.pinimg.com/236x/3c/95/be/3c95be0ea809bbfa764c6433380666df--organized-pantry-organized-closets.jpg
One of our most popular items, the Large Utility Tote makes a great camping tote, sports equipment bag, picnic basket or beach/pool tote. Capable of holding heavy loads, this big tote makes the perfect storage piece or closet organizer for just about anything around the house, including toys, books, blankets, laundry, tools, seasonal clothing or shoes, holiday decorations, car care items and more. Wire support around the top allows it to keep its shape and stand up when in use, and collapse down for easy storage when not in use. https://i.pinimg.com/236x/d8/de/83/d8de83ffe662c80221c5b51a18c9661f--dance-recital-costumes-thirty-one-gifts.jpg
I absolutely love Thirty-One Gifts! My consultant Jessica (from Sacramento, CA) is an amazing consultant and goes above and beyond to make her customers feel like family! I travel a lot and I am able to take my Away We Go Roller, ZipTop Utility Tote (with deluxe swap it pocket) and my Organizing Shoulder Bag for a 3-4 day trip and carry everything on the plane. I can't believe how organized I can be when traveling. I wish that the Away We Go roller was in the catalog to order as I receive so many compliments on it. My husband loves his Well Suited Garment Tote and it keeps his suit from wrinkling and fits perfectly on my Away We Go Roller for flying. Please keep up the amazing work and I look forward to doing more shopping and hosting a party with the upcoming fall catalog!!! https://i.pinimg.com/236x/52/33/00/523300aff303cb81165a2065ed64b499--bag-display-craft-fairs.jpg
This custom cash envelope wallet was made by a fellow Dave Ramsey fan. You can by this wallet for $50 on Etsy and it comes with 6 zippered fabric envelopes each with a vinyl tab to stick your category label. If you want different budget categories, the shop owner will create customized stickers for you. The shop is filled with different styles and fabrics (including a Mickey Mouse themed cash envelope wallet!). https://i.pinimg.com/236x/b3/ef/11/b3ef11d2d7ea0e6f7cd4d869c0405108--my-thirty-one-thirty-one-gifts.jpg
For at least a month, try the basically-free method of using standard white mailing envelopes (or any of the other cheap DIY cash envelope organizers). Label each envelope with a budget category, stuff them with cash, and put them in your purse. If you stick to this system for a month or more, and find that it is helping you curb your spending and stay within budget, then invest in a special cash envelope wallet.
Along the way I started thinking I like this stuff and I want to get a bunch of it for free. And the rest is history. I now have a double hope chest JAMMED FULL of Thirty-One. It’s kind of ridiculous. AND I LOVE IT. Jimmy loves it too. He became a convert the minute he realized how much easier this stuff made our lives. We are both massive organization nerds. https://i.pinimg.com/originals/0b/a7/ce/0ba7ceba58f09beeb53c5da81dd7d7c9.jpg
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