Do you struggle with a family budget worksheet? Is it hard to stay on top of your finances? Don't worry, you are not alone. There are a lot of families who struggle to live within a budget. Some don't even try. Some try every new budgeting program available. If you are reading this article, it means you are at least one of the proactive ones who is looking for a good solution. Let me suggest 5 good, free sources for budgeting.
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.