First, track your spending and expenses for the next 30 days. You can begin by recording all your purchases on a weekly expense report worksheet that you fill out each day. Save your receipts from each purchase and then record a description of the purchase, the amount, its category, and how you made the purchase; whether by cash, check, or credit card.
Virtual Envelope Advantage : Works Hand_in_Hand with your Cash Envelopes and Budgeting Worksheets _ Has the cash envelope system gone the way of the dinosaur? No! I still recommend it for all of their budgeting categories for children and for the cash spending categories for adults, such as food and walking around money.