And here are hers.
My envelopes are plain white with black letters. I have one for:
groceries and household items
Minivan gas and maintainence
Eat out as family
Mike's on the job eat out
Offerings and gifts above tithe
The ideas is that you calculate your monthly cash needs, withdraw that amount when you get paid, and take the cash out to pay for the items. Only pay cash! We use automatic bank draft for a lot of our bills so that they are deducted from our checking account.
Let this soak in a few days, go check out Dave Ramsey's Financial Peace University and then we'll chat more. Off to work!