Most people’s finances are now digital, and they spend a lot of money today using credit or debit cards.
Cash is less common these days.
If you want to start budgeting better but need to be more disciplined, a cash wallet is a good idea.
The cash envelope wallets are not only convenient for carrying cash but they also help you to stick to your budget by dividing your money into categories.
There are many options for cash wallets. It is important to choose a wallet that will not only meet your budget requirements, but also be durable and stylish.
Table of Contents
What is the Cash Envelope Wallet System?
Best Cash Envelopes
Purchase a Cash Envelope or make your own?
What is the Cash Envelope Wallet System?
Cash envelope wallets are a simple way to keep track of your spending. This system involves planning your monthly expenses in advance, and withdrawing cash from the bank to prepare for your purchases.
This budget strategy will help you to develop better spending habits and avoid adding to your debt.
You should have several different envelopes in your wallet, depending on what you spend. You may choose to pay for your bills, rent, mortgage, and other expenses via direct debit but store groceries, household goods, and clothing in a card.
Each envelope will have a limit on your spending. You can learn more by reading my article on the envelope system.
Best Cash Envelopes
You can make your own envelope wallet for cash, but you may not know how to start or you might lack the creativity. That’s fine! You can purchase a variety of cash envelope wallets and customize them to your liking.
Many are not only functional but also stylish.
You can combine the envelopes with cash or cards.
Consider purchasing waterproof or laminated envelopes if you have children in your home. This will make the purchase more durable.
There is no order of preference or selection. Here are some of our favorite cash envelope wallets.
- Magicfly Cash Envelope wallet
Magicfly Cash Envelope wallet
Magicfly’s envelope wallet is incredibly popular, with more than 500 Amazon reviews. (Average 4.6 stars out of 5! The paper is waterproof and tear-resistant.
The card slots can fit up to 12 envelopes, each with a different category. Customers appreciate this feature. Each envelope also comes with a tracking sheet to help you budget.
- Divide Up The Savvy Spender
Divide Up The Savvy Spender
The Divvy Up envelope is a more discreet and subtle wallet, ideal for those who are style-conscious but budget-conscious. This wallet has room for your checkbook, phone and other items. This wallet also has 12 card slots, two long pockets, a zip pouch, and an envelope slot.
The leather black wallet measures 8.5 inches long, which is shorter than other wallets. This is the wallet for you if you prefer the feel of a real wallet to a binder or folder.
- Soligt All-in-One Cash Envelope Wallet
Soligt All-in-One Cash Envelope Wallet
Soligt offers a value-for-money envelope wallet package, which includes the wallet, envelopes and budget sheets. This package includes 12 envelopes and 12 budget sheets.
You can now track your spending and budget in one place. This is a popular product that’s usually sold out!
- Dave Ramsey Wallet
Dave Ramsey Wallet
Dave Ramsey is a well-known name in the money management world. He has developed a set of tools that will help you to curb your spending and increase your savings.
The Dave Ramsey wallet includes starter, standard and deluxe versions. It also comes with budgeting sheets and replacements for tracking. The envelope wallet is perfect for those who use it regularly. There are many colors and styles to choose from.
Bonus: On Dave Ramsey’s site, you can find additional budgeting tools and cash envelope wallets.
- Hommie All-in-One Cash Envelope Wallet
Hommie All-in-One Cash Envelope Wallet
Hommie is a brand that you may want to consider if you are looking for something fun and colorful. They provide a durable binder instead of a wallet to hold each of the 12 envelopes for budgeting. This package includes budget sheets and labels. - Wallets with Slim Budget Envelopes
Slim Budget Envelopes wallet
It’s easy to worry about security when you carry so much money. This wallet offers RFID technology that protects your cards against fraud.
Slim Budget Envelopes Wallets are also minimalistic, allowing you keep your envelopes of cash out of sight. The wallet comes with 6 horizontal plastic money envelopes and 12 expense tracking sheets. It also includes a yearly spending budget.
- The All-in One Cash Budget System Wallet by With You
The All-in One Cash Budget System Wallet by With You
This wallet looks like a leather wallet but has enough space for 12 envelopes, labels, card holders, and budget tracking sheets.
This cash envelope wallet has received over 76 5-Star Amazon reviews. Find out more about the All-in-One Budget System Wallet.
- Afmat All in One Cash Envelope Wallet
Afmat All in One Cash Envelope Wallet
Afmat is the perfect system for parents who are budgeting. It comes with waterproof cash envelopes that protect from wear and tear.
This brand is also a favorite for those with a visual sense. It’s a popular product, so be sure to restock quickly. Find out more about Afmat All-in-One cash envelope.
- The 10 Divider Expanded Horizons Cash Envelope Wallet Blocks RFID
The 10 Divider Expanded Horizons Cash Envelope Wallet Blocks RFID
The Expanded Horizons wallet has ten different envelopes, and RFID blocking technology. It is durable and robust.
This product comes with a pen and labels to help you stay organized under budgetary pressure. Customers prefer this style of cash envelope wallet to other styles.
- Esprite clear plastic binder envelopes with PU leather notebook
Clear Binder Envelopes With PU Leather Notebook
This baby-pink Espirite Binder will be a hit with the girly-girls in your life who are budget-conscious. Who says you can’t look good and save money?
The envelopes are made of PVC, which is more tear resistant.
This product is smaller than other products on the list. Please make sure that its dimensions match your desired size. Find out more about Esprite Clear Plastic Binder Wallet Envelopes.
- All Planets Cash Envelope System
All Planets Cash Envelope System
The stars have designed this cash envelope system! This system offers 36 (yes, you read it right!) budget tracking sheets. This system includes 36 (yes, you read that right!) budget tracking sheets and a durable binder for your cash envelopes. It is one of the most durable envelope systems available.
This product is perfect for anyone who likes to take notes. The pen slot makes it even more convenient. Find out more about the All Planets Envelope Wallet.
- AnconKton Cash Envelope Wallet 12
AnconKton Cash Envelope Wallet 12
AnconKton’s envelope system puts the design first. The wallet is made of high-quality leather with a quality zip.
Each envelope has a different pattern, so that you don’t mix up your cash for groceries and fuel. The kit includes a guide on how to budget if you aren’t quite ready.
Purchase a Cash Envelope or make your own?
Cash envelope wallets are designed to help you budget.
You can buy a few envelopes on Amazon if you think that they will help you stick to your budget.
Some of these wallets can be expensive if you choose a popular brand. Some cash envelope wallets may not contain everything you need to budget.
If you’re not sure where to start or want more customizations, you can create your own DIY envelope.
DIY Cash Envelopes
It’s easy to make your own envelopes and you can test the process. It’s not worth buying cash envelopes that will be unused in a couple of weeks.
Download an online template, print it, and fold. You can then label, organize and create a custom wallet.
You can laminate your envelopes to make them more durable and to keep their appearance fresh.
