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
Virtual Envelopes can co_exist with Cash Envelopes just fine. Use the Virtual Envelopes for those monthly expenses that you would normally write a check or electronic payment. Examples would be mortgage/rent, taxes, car repairs, utilities, savings, debt pay_down, etc. Our budgeting worksheets incorporate the strategy of using Virtual Envelopes and help you set up your accounts accordingly. We define auto_pay, e_check, and other banking terms that will guide you to set up your Virtual Envelopes effectively in managing your monthly budget.