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.

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. https://i.pinimg.com/236x/1a/07/83/1a078341bdb906591f8cedc7cd72dd49--pure-romance-october.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. https://i.pinimg.com/236x/b1/e6/e9/b1e6e9b71d52d017c333ebb844e0f119--ground-floor-julie.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/236x/7f/a7/cf/7fa7cf372d4845769ea9b945d1939e62--thirty-one-products-thirty-one-gifts.jpg?b
It was my first-ever Thirty-One Box!  What was even more exciting was opening up to find out what was inside because I HAD NO IDEA!  It was a surprise sent to me by Destiny Narloch as she wanted to share with me a product that she thought would be a great giveaway for you—my readers!  So now, are you not as excited to see what is inside too?!  I mean, I’ve always heard that Thirty-One products are amazing and their story (modeled after the Proverbs 31 woman) inspiring, but I’ve never had the opportunity to own one of their products before.  Needless to say this was a real treat! https://i.pinimg.com/236x/81/22/0f/81220f34da1649f1e3284b2da04a1ea1---gifts-thirty-one-gifts.jpg?b

Meet Mom Does Reviews' owner and creator- Pam! Pam is a Wife, Mom, Blogger-Addict, Animal-lover, MRI tech living on her happy homestead in New Hampshire with her son and hubby, 2 dogs, 2 cats, plethora of poultry 3 bearded dragons and a Tortoise named Speedo. Pam loves to spend time with her boys, eat chocolate and drink coffee. Pam loves all things Marvel and Disney - as you can see from all the movie posts! https://i.pinimg.com/originals/0c/bb/1b/0cbb1bdb6c5cd41909972bbd0768403a.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. https://i.pinimg.com/236x/f2/c3/88/f2c3887ba6167583ae4043820044c276.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/280x280_RS/00/cd/20/00cd20b65654b947b7ce738ff60e326c.jpg

I put 3-ring binders, notebooks, laptop, everything I need for school in this bag, and it holds up really well. Stitching is strong and fabric is super sturdy. The wide bottom makes it convenient for putting in lots of things. The fabric is flexible yet holds up the shape even when completely empty. I really like the fact that the bag can "stand" on its own when I put it down on the floor. The large pockets all around are so handy for organizing things. I especially like the mesh pockets on the sides, which I use to hold water bottles. https://i.pinimg.com/236x/06/ed/4f/06ed4f979849ac0e2c0328fcd5dcadf5--partyfood-fruit-skewers.jpg
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. Key features: Polyester Wire support to hold shape Grommets for Pocket-A-Tote attachment Top-A-Tote can be added to keep items secure Collapsible for easy storage Monogramming and personalization options available Approx. 11.75"H x 21.5"L x 10"D https://i.pinimg.com/236x/47/8e/e4/478ee496ff871cb5826950d5824fba8b--bling-party-bling-bling.jpg
I came across your article today and I would like to know if you personlly have used both versions, the cheap and Thirty One? I’ve been with the company 6 years now and have to say every penny I’ve spent has been worth it. I still have the first two Large a Utility Totes I bought 6 years ago and use them. Just because it’s cheaper that doesn’t mean it is better. Thirty Ones products actually hold up pretty well. I admit like any other company we do have some problems from time to time but they are good at helping customers fix these issues. You have a 90 day warrrenty and sometimes even after that they help. https://i.pinimg.com/474x/7f/59/bb/7f59bb9fc1ec1591030444cf1a9f1d8b.jpg

I put 3-ring binders, notebooks, laptop, everything I need for school in this bag, and it holds up really well. Stitching is strong and fabric is super sturdy. The wide bottom makes it convenient for putting in lots of things. The fabric is flexible yet holds up the shape even when completely empty. I really like the fact that the bag can "stand" on its own when I put it down on the floor. The large pockets all around are so handy for organizing things. I especially like the mesh pockets on the sides, which I use to hold water bottles. https://i.pinimg.com/236x/23/dd/ed/23ddeda92665dba8b3a326bab75136d4--eyeshadow-for-blue-eyes-gold-eyeshadow.jpg


It was my first-ever Thirty-One Box!  What was even more exciting was opening up to find out what was inside because I HAD NO IDEA!  It was a surprise sent to me by Destiny Narloch as she wanted to share with me a product that she thought would be a great giveaway for you—my readers!  So now, are you not as excited to see what is inside too?!  I mean, I’ve always heard that Thirty-One products are amazing and their story (modeled after the Proverbs 31 woman) inspiring, but I’ve never had the opportunity to own one of their products before.  Needless to say this was a real treat!
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/3b/fe/a1/3bfea1465eaed971dcf87655cebce494--fathers-day-gifts.jpg

I put 3-ring binders, notebooks, laptop, everything I need for school in this bag, and it holds up really well. Stitching is strong and fabric is super sturdy. The wide bottom makes it convenient for putting in lots of things. The fabric is flexible yet holds up the shape even when completely empty. I really like the fact that the bag can "stand" on its own when I put it down on the floor. The large pockets all around are so handy for organizing things. I especially like the mesh pockets on the sides, which I use to hold water bottles. https://i.pinimg.com/236x/e3/49/69/e34969e7946fc113792ee4a45d1bbe34---bags-busy-bags.jpg?b
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