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The biggest advantage of Virtual Envelopes is that your money is safe in a banking institution instead of cash in envelopes in your house. Just imagine if you hade robbery, fire, or just plain old forgot where you put that cash envelope with your rent payment. Not a fun time trying to recover that!

Worksheet _ Weekly Expenses Report_ The weekly expenses worksheet is where you will list all your spending for the week. This includes things you buy using cash, check, or credit card. At the end of the week you will transfer these transactions to your Monthly Expense Record.

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