Alternative Approach: Use Virtual Envelopes for most of your Spend Categories _ In today's electronic world, there's a version of the envelope system that can take the old proven approach and revamp it for the 21st century: Virtual Envelopes. Built on the solid foundation of the Cash Envelope system, Virtual Envelopes works seamlessly with your existing cash envelopes and your budgeting worksheets. The only difference from Cash Envelopes is that for some budget categories you will now deposit the cash into your bank or credit union and manage those categories online, or "virtually." Hence, the term Virtual Envelopes.
Trying to find the perfect budgeting worksheet can be like trying to find the right used car: there's a million available but finding the right one can frustrating. Searching the internet will provide an unlimited supply of worksheets available with various levels of quality and price. As you go through all the options available, keep these tips in mind to find the one that's right for you.