However, there are many disadvantages of this old technique in keeping all that cash around. It's cumbersome and simply not safe as you can easily accumulate hundreds or thousands of dollars in your cash envelopes. Just imagine the heartbreak and financial setback should something happen to all that cash.
You have to start somewhere and a budgeting worksheet can make the dreaded task of budgeting much easier. Whether you use computer based software or plan to keep your budget on paper, a worksheet can help you to brainstorm the categories you will need to budget for. While most of them will be slightly different than the budget you eventually come up with, they can serve as a helpful tool that will make the entire process much easie