Thrifty Little Mom

Thrifty parties, celebrations and gatherings!

  • Party Planning
    • Party Themes
    • Party Food & Drink
    • Holiday Party
  • DIY & Crafts
  • Personal Finance
  • Cleaning & Organization
  • About + Privacy Policy
    • Start Here
    • Privacy Policy
  • TLM Shop

How To Make Your Own Envelope System Wallet

April 4 By Kim Anderson

This post contains affiliate links. If you click & make a purchase, I receive a commission! Thanks! Read my full disclosure policy. As an Amazon Associate I earn from qualifying purchases.
  • Share
  • Tweet

How To Make Your Own Envelope System Wallet

If you aren’t familiar with my history, I’m a HUGE fan of Dave Ramsey.  Long story short, we found his books and principles to be exactly what we needed to get our finances on track.  We started our journey to financial freedom using the envelope system suggested by Dave Ramsey’s book, The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness.

When we did envelopes I simply grabbed a plastic pocket accordion file from the dollar section at my local Target.  It was sturdy and inexpensive.  However, my creative side kicked in and I wanted something that was down right cute that wasn’t too hard to make.  With that in mind I created this post on how to make your own envelope system wallet in hopes that it might help you unleash your creative budgeter too!

Before you get started, if you want to see my simple run down of starting an envelope cash system for budgeting check out my post, Quick Start Guide to the Cash Envelope System and/or watch my cash envelope video tutorial below.

 

Supplies:

Envelope System Basic Supplies

  • A pocket accordion file that you can find at your local dollar store or seasonally in the Target dollar section.  These are just the right size for bills to slide easily into.
  • Fancy Designed Masking Tape
  • Fun Sticker Labels
  • Permanent Markers in Coordinating Colors
  • Hot Glue Gun
  • Button, Bling or Jewel
  • Inspirational Quote

 Step 1: Create fun designs on your plain accordion file using fun printed masking tape.Create Fun Designs with Masking Tape

 

Step 2: Add some fun color using colored permanent markers.

Use Permanent Markers to Add Pops of Color

 

Step 3: Add a fun label and write your favorite inspirational quote.  I chose Dave Ramsey quotes for each of these wallets because they inspire me.

Dave Ramsey Quote Envelope

 

 

Step 4: Using a hot glue gun, carefully attach a little fun bling or button to the plastic latch on the front of the wallet.

Attach Button With Hot Glue

 

Step 5: Add the final touches to the outside and then label your dividers on the inside according to your budgeted categories!

Label categories

 

Step 6: Admire your work! (Even if it looks a little like you got in a fight with a silver permanent marker.)  

Completed Chevron Envelope System

Black Envelope Sytem Design

I hope you found this post about how to make your own envelope system wallet helpful and inspiring.  There are so many fun things you can do to decorate these accordion files!  It’s totally up to you!  Please feel free to share how using an envelope system has impacted your budgeting in the comments section below!
Kim Anderson

About Me

Kim Anderson

Kim’s is the party planning, thrifty life-loving, intentional living catalyst behind the Thrifty Little Mom Blog. Kim was a pro event planner for over 7 years before she became a full-time blogger. Kim is the author of: Live, Save, Spend, Repeat: The Life You Want with the Money You Have. She’s been featured on Time.com, Money.com, Good Housekeeping, Women’s Day, and more! Kim aims to inspire you to create, celebrate, and live life intentionally!

Filed Under: Budgeting, Personal Finance Tagged With: Dollar Store Craft

« How To Make a Minimal Easter Basket
How to Get What You Want Out of Life »

Comments

  1. distance learning says

    April 20 at 12:18 pm

    OK, I see you can use wikipedia. Now tell us all honestly that you didn't think the date was around 200AD when you posted those dates. Then I'll be done.I was only asking that you cop to your error. But you obviously have too much ego to do that.

  2. Kelly says

    November 9 at 4:35 am

    Dear Kim, I absolutely love your idea for I did this years ago when my daughter was 2. I could not explain right to my fiancé and he’s totally against it! Yet, 90% of our arguments are over finances. My Question too you is I’m disabled and his checks are once a month as well. How would I go about taking on this challenge with both us only getting paid 1 time a month. That’s what confuses me. Hopefully, you can offer me some suggestions for I would love to start the money envelope! I love your envelope idea a lot more than just plain white envys. Thank you very much for any help that you can share! Sincerely, Kelly F

    • Kim Anderson says

      November 10 at 8:17 pm

      Kelly, I’m not a financial adviser so whatever I say is just from my own personal experience and is not meant to give you financial advice. It’s just a system that works for some people and is one of the easiest ways to manage a budget without the need for spreadsheets. Basically, you would need to sit down and figure your basic living expenses and write them down. I have a free printable that you can use that I’ll post at the end of my comment. You would simply split up 1 check rather than 2 into all your expenses. The.n you decide how much you can spend on things like groceries, eating out, cleaning supplies or whatever you would be able to cover with cash (we pay bills with our debit cards but don’t use credit). You go to the bank and divide your money up. If it makes you uncomfortable to carry a months worth of cash around then just go fill your envelopes every week or every other week with what you determine you have to spend each week if that makes sense. The best thing to do is go to your local library and check out The Total Money Makeover by Dave Ramsey. If your fiance isn’t on board it’s going to be tough, but if you are the main shopper then you can just make an envelope system for yourself. In our case, my husband had several division in his personal wallet so he had 3 categories- Gas, Allowance, Tools/Car repairs (because he does everything himself). I carried the folding accordion file around. Maybe setting an example of saving over a few months will help him get on board with you. Here’s the link to that post with the printable form you can fill in with your expenses. Good luck! Let us know how it goes. https://thriftylittlemom.com/2014/02/21/budgeting-101-boss-your-money-around

  3. Michelle says

    August 7 at 11:21 pm

    Thank you for sharing……we are starting this tomorrow (we both get paid) why not go for it?? I even have one of these pocket size folders….YAY!!

    • Kim Anderson says

      August 7 at 11:31 pm

      Michelle, it may be tough at first, but if you can both do it you are going to really see some huge strides toward financial goals! Good luck and please let me know how it goes for you!

  4. Tracie Waris says

    July 10 at 10:35 pm

    For our personal finance class my husband and I are taking we had to read a book from the list of approved books and Dave Ramsey’s book was on the list. I chose that one to read and couldn’t stop reading it. I loved it. Thanks for the idea. I love this better than a paper envelope. This is so much cuter.

    • Kim Anderson says

      July 10 at 10:51 pm

      Tracie! I was the same way. When I got his book from the library I literally finished it in one sitting and was ready to budget! Glad you like the idea. It’s how I kept all my money straight when we did the system and you can really get pretty creative with it.

Trackbacks

  1. Finances Part 2: Some Helpful Hints | Waiting For Home says:
    October 6 at 9:59 pm

    […] addition, I would recommend either purchasing or making your own cash envelope system. There are many, many ways to make your own and they are so easy, and they […]

  2. Quick Start Guide To The Cash Envelope System | Thrifty Little Mom says:
    April 4 at 4:57 pm

    […] If you want to get crafty and jazz up the pocket size accordion files, check out my post on How To Make Your Own Envelope System Wallet. […]

Snag My Book

Available at:

Barnes & Noble

Amazon

Thrifty Little Mom is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com.

Copyright © 2021 Thrifty Little Mom · Web Design by Moritz Fine Designs LLC

This website uses cookies to improve your experience. We'll assume you're ok with this, but you can opt-out if you wish. Cookie settingsACCEPT
Privacy & Cookies Policy

Privacy Overview

This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary
Always Enabled

Necessary cookies are absolutely essential for the website to function properly. This category only includes cookies that ensures basic functionalities and security features of the website. These cookies do not store any personal information.

Non-necessary

Any cookies that may not be particularly necessary for the website to function and is used specifically to collect user personal data via analytics, ads, other embedded contents are termed as non-necessary cookies. It is mandatory to procure user consent prior to running these cookies on your website.

SAVE & ACCEPT