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Mac Guide

Add / Edit / Delete Categories and Envelopes:



Add Manual Transaction:



Categorize and Split Transactions:



Edit Transactions:



Add Account / Import Transactions:



Transfer Money between Envelopes:



Sync with iPhone or iPad using Dropbox:



Get Monthly Spending Reports:




What is Envelope Budgeting?

Envelope budgeting is essentially the way your grandmother handled her money before everyone used credit and debit cards. The idea is really pretty simple.

Each month you decide how much you want to spend on each item in your budget. When you get paid you take that money and split it up into your envelopes. If you want to spend $300 on groceries, take $300 and put it in the envelope marked groceries.

There are 3 keys to using envelope budgeting:

  1. You can only let yourself buy groceries using money from the envelope marked groceries. Don't use money from somewhere else when you are shopping at Kroger or Publix.
  2. You can't buy anything but groceries with the money in the envelope marked groceries. Ordering pizza and getting your nails done do not qualify as groceries.
  3. If you run out of money in your groceries envelope, you need to stop buying groceries until you have more money to put it it from somewhere else. That doesn't mean you go out to eat all week, that means leftovers and rice.

Now, I realize if you haven't been budgeting you aren't going to get everything exactly right the first month. You donĂ­t have to starve if you didn't budget enough for food. That being said, budgeting like this helps you to really see where you are spending money.

If you have no idea how much you spend eating out give this a shot. When you run out of the $50 you budgeted on day 5 of the month a few light bulbs might go off. First, I'm spending way more than I realized eating out. Second, I'm probably going to have budget more even if I do cut back.