Virtual Envelopes can co_exist with Cash Envelopes just fine. Use the Virtual Envelopes for those monthly expenses that you would normally write a check or electronic payment. Examples would be mortgage/rent, taxes, car repairs, utilities, savings, debt pay_down, etc. Our budgeting worksheets incorporate the strategy of using Virtual Envelopes and help you set up your accounts accordingly. We define auto_pay, e_check, and other banking terms that will guide you to set up your Virtual Envelopes effectively in managing your monthly budget.
So you are engaged to get married but don't have a lot of extra money to spend for the wedding? No problem you can still have a beautiful wedding for nearly half the cost. The key ingredient to have is a budget worksheet and budget plan before doing anything. By spending the time to plan ahead and budget your major expenses you will ensure success in saving money. You will not be caught on a whim and spend over the amount planned. Not having a plan is a recipe for disaster because this often means you are searching for crucial items last minute which can really add up.