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
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
This is new-ish onto the cash envelope wallet scene and quickly becoming a crowd favorite. The All About the Benjamins wallet comes in 7 colors (solid colors, no patterns). This wallet isn’t flashy and you can most likely find a color to match your purse. It has two big compartments where you can put your cash envelopes or cash dividers. At the time of this article, the wallets are $48/each. https://i.pinimg.com/originals/5e/a0/96/5ea096639623a697359374fd56a8d037.jpg
Thirty-One Gifts is a direct sales company that specializes in functional and fashionable handbags, totes, lunch bags, accessories, home organizational products, and other carryall products. Many of our products can also be personalized! The company was founded by Cindy Monroe, a working mother who enjoyed shopping in boutiques but never had the time to find the items she loved with her busy schedule. She created Thirty-One Gifts as a way to bring the boutique experience home, with the added benefit of giving women the benefit of earning an income from home. The company’s mission is “to celebrate, encourage and reward women through offering quality products and an outstanding opportunity to become successful business owners.” https://i.pinimg.com/474x/f9/5b/1a/f95b1af995f92c8ccb991a6ce4c58691.jpg
This 5-compartment, zippered wallet is absolutely perfect for the cash envelope system even though it’s commonly used to store and organize coupons. The Save Your Way Clutch by Thirty One currently comes in three different designs and only cost $30 at the time of this article! The wallet also perfectly fits the Save Your Way inserts which are which are absolutely perfect as cash envelopes since they also have a spending log on the back (with space for the date, description, cost, and balance for each purchase you buy) – I’m in love!
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/originals/db/c5/1c/dbc51c9e98d97ba7bbbc42f1e373bf3a.jpg
I stopped selling Thirty-One last December after about 5 yrs. At that time, I started using my many Deluxe Utility Totes as my laundry baskets. Plastic baskets just kept breaking. Now it is SO NICE to toss a DUT over my shoulder and head upstairs to put away laundry. I anow totally obsessed with the purple they have for fall. I want everything that comes in the purple!
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/236x/bf/da/22/bfda22020a0c47324bfb13194b931f1a---party--bags.jpg?b
I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++
Okay here we go, so I bought this last week for one of my friend's birthdays and THANK GOD it is more pale pink than in the photo. It's good quality (won't really know until she uses it) the zippers glide easily, the little keychain isn't total crap quality, it's basically you get what you paid for in a GOOD WAY. This surprised me, it's also bigger than I expected. I think she'll love it. Definitely recommend this. https://i.pinimg.com/236x/45/f6/7e/45f67e7ed9847597712100a43ef5b0ea--wine-tags-wine-labels.jpg

I actually use this tote as a diaper bag, I have two children in diapers and it really works great for that. Aside from the way I use it, I think it's an over all great bag. A few issues: the elastic pockets on the sides seem to have lost their tension already, I don't put anything large or heavy in them to cause this, also the pocket in the back.. Wish it was larger, I don't really see the point of the zipper in the bottom of the pocket. The only other issue I have is the straps, wish they had some sort of padding on them, they tend to be a little hard on your hands if you're carrying anything heavy. https://i.pinimg.com/236x/5c/99/27/5c9927f0e5981c8cc8ff443322b87950--baby-girl-rooms-my-baby-girl.jpg


I’m completely in love with mine! I haven’t given birth yet (4 more weeks!), so I’m not an expert on diaper bags but it seems like it would work better than the gerber diaper bag that I bought. The only think that the actual diaper bag has on it is the insulated section to keep bottles cool. My plan is to go with the gerber bag for a few weeks and if I don’t love it, switch them out. If you end up using it as a diaper bag, let me know how it works for you! https://i.pinimg.com/236x/34/83/06/3483068ca25fa8f9a41abecab6c5da2a--luggage-store-carry-on.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/originals/3b/7a/b7/3b7ab7c3892120bdb5e6f12ad9a4bd26.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/ab/8f/c1/ab8fc1449d794d9676f780e381ffda65.jpg
6. Swap-It Pocket ($25)– Right now this one is in my Retro Metro being used as it was designed to be used …I have all of my pens, makeup, notebooks, etc inside. Then I just move the entire thing to a new bag instead of having to dump out all of my crap. In the past though I’ve used it for planner supplies (see below). It’s a great size for personal sized planners and TNs with supplies. https://i.pinimg.com/originals/96/ec/4e/96ec4ede4ff3ff2b0d38b7c4d0694d41.jpg
I tested the rfid with my work badge, and it couldn't be read so the rfid works. It holds a good amount of cards, the construction is good enough for me and I've had it for a few months, dropping it quite a few times and it's still in tact. Only negative is that if you drop it, everything falls out. So I opted for a zippered case for work (rfid doesn't work but I'm not concerned about being scanned there, so no biggie) because I'm in and out of my pockets all day and have a lot of drops. I now use this case only when i go out or travel, it's very convenient and i don't have to worry about dropping it all the time. https://i.pinimg.com/originals/8a/60/5b/8a605bf5895d814e68b041ed1e8a702c.jpg
6. Swap-It Pocket ($25)– Right now this one is in my Retro Metro being used as it was designed to be used …I have all of my pens, makeup, notebooks, etc inside. Then I just move the entire thing to a new bag instead of having to dump out all of my crap. In the past though I’ve used it for planner supplies (see below). It’s a great size for personal sized planners and TNs with supplies. https://i.pinimg.com/236x/af/3a/61/af3a611c47eed4725cd1a71f0212efcd.jpg
I originally needed two pairs of work pants. I love cargos since they are loose but fitting, comfy, and have lots of.pockets without the extra added weight. I bought two at Wal-Mart and instantly loved them. Then bought a pair on amazon for about the same price. If you want a pair to wear casually, go for it. They look better than anything old navy has to offer. They are cheaper in price but better in quality as well. Only disappointment is the limited colors. I wanted to buy two pair in navy. One for work one for casual wear.
This 5-compartment, zippered wallet is absolutely perfect for the cash envelope system even though it’s commonly used to store and organize coupons. The Save Your Way Clutch by Thirty One currently comes in three different designs and only cost $30 at the time of this article! The wallet also perfectly fits the Save Your Way inserts which are which are absolutely perfect as cash envelopes since they also have a spending log on the back (with space for the date, description, cost, and balance for each purchase you buy) – I’m in love! https://i.pinimg.com/236x/a8/ec/e1/a8ece15316edb5a2e1259082fd3a1e50---bags.jpg
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.
I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++
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 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/750x/a8/7a/1c/a87a1c5b7b97f99af1e46d8ad700ea12.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/150x150/69/57/72/695772bab739bfdf0e283ec5afaaaaeb.jpg

I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++ https://i.pinimg.com/originals/b8/2e/11/b82e113d4f0440df026405435e37cdfb.jpg


I’m completely in love with mine! I haven’t given birth yet (4 more weeks!), so I’m not an expert on diaper bags but it seems like it would work better than the gerber diaper bag that I bought. The only think that the actual diaper bag has on it is the insulated section to keep bottles cool. My plan is to go with the gerber bag for a few weeks and if I don’t love it, switch them out. If you end up using it as a diaper bag, let me know how it works for you!

Thirty-One Gifts LLC, and Thirty-One Gifts Canada, Inc., is a privately owned, direct-selling company specializing in personalized bags and accessories. The company was founded by Cindy Monroe in 2003 and is headquartered in New Albany, Ohio.[1] They are one of the largest woman-owned businesses in central Ohio.[3] In November 2018, the company announced they would be moving the distribution center from Columbus, Ohio to Flower Mound, Texas.[1] https://i.pinimg.com/236x/4d/d0/cb/4dd0cbc1d57c5a2ee4d4bc2fce37e2df--thirty-one-party--party.jpg
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