More Services. I am old enough to remember the days when families had one phone number. One phone number meant one phone bill. Now almost everybody carries a cell phone, and we still have a home phone. Our phone bills have doubled or tripled. We also have cable TV and internet services to pay for. These used to be luxuries, but now we rely upon them. _ Busy Lives. We are very busy these days, and it seems challenging to fit in everything we want to do.. Because of this, we tend to eat out more. When we do eat in, we rely upon expensive convenience foods. With rising prices, it is hard enough to keep the price of groceries under control. But now we are spending a lot more on food.
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.