The big advantage of cash envelopes is that, if you budget properly, you will always have the cash to pay a bill when it comes due. No more worrying about where the money will come from, be it for mortgage or rent, utilities, car payments, repairs, taxes, discretionary spending, etc.
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.