Virtual Envelope Advantage : It's Easy to Get Started _ To get started, ask your bank if they can set up your Virtual Envelope budget categories as sub_accounts underneath your savings account. There should be no charge for doing this. If your bank will not provide this service for free, check around for other financial institutions in your area, including your local credit union. I've done virtual enveloping for about 30 years through a couple different credit unions. I've also had a couple colleagues using this approach. So don't take "sorry, we can't do that" as an answer from your existing financial institution.
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.