Searching the internet for budget software or templates can be another good idea, or, if you feel sufficiently comfortable, you will be able to create your own in Excel. Nonetheless, by carrying out a search, you will be able to find several detailed worksheets for free that will help you to plan your budget more easily. You will even be able to obtain budget planning sheets that can direct you towards your own personal goals. A family working hard to get out of debt for example, will have different requirements than a family planning for their retirement, or for a family preparing for the arrival of a baby. The good news is that you can easily find and adjust your budget to address all these issues whilst customizing the worksheet to better suit your needs.
The big advantage of cash envelopes is that, if you budget properly, you will always have the cash to pay a bill when it comes due. No more worrying about where the money will come from, be it for mortgage or rent, utilities, car payments, repairs, taxes, discretionary spending, etc.