The Divide-It cash envelope system wallet is sold on Etsy for only $21.50 (at the time of this article) and comes with six blank tabbed category dividers. You can choose from a huge selection of fabric designs. This shop also sells custom labels for the dividers, spending logs that fit in the wallet, and coin and card pouches that fit inside the wallet; these are old sold separately from the wallet. https://i.pinimg.com/236x/bf/da/22/bfda22020a0c47324bfb13194b931f1a---party--bags.jpg?b
This custom cash envelope wallet was made by a fellow Dave Ramsey fan. You can by this wallet for $50 on Etsy and it comes with 6 zippered fabric envelopes each with a vinyl tab to stick your category label. If you want different budget categories, the shop owner will create customized stickers for you. The shop is filled with different styles and fabrics (including a Mickey Mouse themed cash envelope wallet!). https://i.pinimg.com/150x150/69/57/72/695772bab739bfdf0e283ec5afaaaaeb.jpg

For at least a month, try the basically-free method of using standard white mailing envelopes (or any of the other cheap DIY cash envelope organizers). Label each envelope with a budget category, stuff them with cash, and put them in your purse. If you stick to this system for a month or more, and find that it is helping you curb your spending and stay within budget, then invest in a special cash envelope wallet.

I just had a party with Monica Nickerson in West Allis, WI. She was the nicest, quickest to respond ...and most helpful women ever! She brought so many fun things to the show and was interested in what we needed. The show was perfect getting us ready for the holidays. I received the order and everything was beautiful! I’ll definitely be hosting again with Monica, she’s delightful and the products are amazing! See More https://i.pinimg.com/originals/ae/ba/7b/aeba7b9ed6861d94b46e2e4d2b55b80e.jpg
Sports gear – groceries – hauling gifts for family holiday get together a – toys – trunk organization – storing off season clothing – beach towels and swimsuits – blanket storage – large picnic tote – neighborhood garage sale shopping – quilting supplies – gift wrapping supplies – laundry basket – holiday storage – road trips – closet self storage – and more!! https://i.pinimg.com/originals/57/33/be/5733be0133afeb217986e22448e4dabf.jpg

6. Swap-It Pocket ($25)– Right now this one is in my Retro Metro being used as it was designed to be used …I have all of my pens, makeup, notebooks, etc inside. Then I just move the entire thing to a new bag instead of having to dump out all of my crap. In the past though I’ve used it for planner supplies (see below). It’s a great size for personal sized planners and TNs with supplies. https://i.pinimg.com/originals/96/ec/4e/96ec4ede4ff3ff2b0d38b7c4d0694d41.jpg

I noticed in the catalog that you could fit files in the zipper pouch (it was a lot bigger than the pencil pouch I was picturing), this made me rethink my current “office in a bag” for finances. I placed three files in the zipper pouch: “To File”, “To Handle”, and “Stamps and Envelopes”, then I placed my check book, my budget notebook and my extended budget (which is in a cardboard file) inside the pouch. I am so excited about this set up! It reduced weight and bulk and secures the files while letting them remain upright. It's a huge benefit to me to have all of our budgeting tools with me at all times. I can pay bills, track purchases and adjust the budget in little breaks throughout the day omitting the need for a set time, that I sit down and balance the budget.
Every woman needs at least one bag that she can depend on: a sturdy, fashionable, useful purse to carry all her essentials wherever she may need to go. Thirty One, a company started to help women own and build their own businesses, offers a wide variety of purses, tote bags, and accessory purses, along with wallets and other key accessories. Varying in size from beach totes and bucket-sized to smaller night-on-the-town models, there is a purse to suit every shopper’s personality and wardrobe. Thirty One bags come in many different styles and designs; for example, you can pick out a simple coin purse, a wristlet with room for money, cards, and a phone, organizing cosmetic bags, eyeglasses bags, jewelry bags, and more. Even picking out a simple Thirty One wallet offers the shopper choices in pattern, size, and design. To find Thirty One bags that offer the most functionality to the user, look on eBay to find new, used, and refurbished products. https://i.pinimg.com/236x/96/ee/3c/96ee3c6649f9dbe22dab7a4ebcd9bb28--thirty-one-products-winter-accessories.jpg
I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++ 

Aubrey – I have two 31 Utility Totes, two bags from Amazon and one from Walmart. The bags from Amazon are cheaper than 31 bags but are every bit as good in terms of quality. Further, the Walmart bag cost the least but, in my opinion, is the best bag. The only downside is there aren’t many fabric choices. Also, I had another 31 bag that I bought as a work bag, it was expensive and it fell apart. I do like the 31 bags (I think the fabric is pretty) but I would rather save money. https://i.pinimg.com/474x/cb/e5/fe/cbe5fec0941601f1df79b8ac0b37905c.jpg
5. Zip-Top Organizing Utility Tote ($35)– This is my basic grab and go mom bag. I’ve used it for the gym, pool, library, and for a kiddo weekend bag. It has pockets all around the outside, zips on top, and has interior pockets too. The ZOUT is the number one teacher and nurse bag. This one is on special this month too. Spend $35 and get a ZOUT for $10. https://i.pinimg.com/236x/d5/51/fb/d551fb396e1f6e781f84b6d6b54170f0--direct-sales-julie.jpg
10. Lunch Bags– Okay. I’m cheating here. This isn’t just one bag. BUTTT we love our thermals for school lunches. Harper has the Lunch Break, Sadie has the Going Places (she loves it b/c she says it looks like a purse)  , and Cate and Lucy have a Go-To Thermal. The Go-To is machine washable and Jimmy even carries one to work. In, ahem, masculine gray. These suckers are durable and cute and keep the girls’ food cold. We are all obsessed. https://i.pinimg.com/236x/87/c9/24/87c9244948c05cf0e5257810cc5a44b3--winter-decorations-holiday-decor.jpg

After an impromptu trip to the farmer's market, you are left trying to carry all of your purchases without dropping or losing something. A Thirty-One Large Utility Tote is roomy enough to carry all of your goods, and it easily collapses after you are through using it. It is an open-top bag, allowing you to fit items that are bulky or non-traditionally sized. A lid is available for the tote if you need to turn it into a closed bag. It has a metal frame so that it can support your heavy items without sagging. If you like a zip-top bag, the Thirty-One Large Organizing Utility Tote is available as a zip-top bag and an open-top bag. This product measures 10.25 inches in height, 15.5 inches in width, and 6.5 inches in length, while the Large Utility Tote is 11.75 inches high, 21.5 inches wide, and 10 inches long. The reliable sellers on eBay offer these products in different patterns so that you can find a tote that you enjoy carrying. A Thirty-One Large Camo Utility Tote is perfect for both men and women who prefer an outdoorsy look. With a Thirty-One Large Utility Tote, you can always have a bag available the next time you need an extra set of hands.


For at least a month, try the basically-free method of using standard white mailing envelopes (or any of the other cheap DIY cash envelope organizers). Label each envelope with a budget category, stuff them with cash, and put them in your purse. If you stick to this system for a month or more, and find that it is helping you curb your spending and stay within budget, then invest in a special cash envelope wallet. https://i.pinimg.com/236x/f2/c3/88/f2c3887ba6167583ae4043820044c276.jpg
The Divide-It cash envelope system wallet is sold on Etsy for only $21.50 (at the time of this article) and comes with six blank tabbed category dividers. You can choose from a huge selection of fabric designs. This shop also sells custom labels for the dividers, spending logs that fit in the wallet, and coin and card pouches that fit inside the wallet; these are old sold separately from the wallet. https://i.pinimg.com/236x/bf/da/22/bfda22020a0c47324bfb13194b931f1a---party--bags.jpg?b
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