I am taking the plunge

Let me start by saying, I do NOT like Dave Ramsey or the like.
I am so sick and tired of hearing about all these guys.
Sorry to offend anyone...but I have my reasons...and will not go into them in this post.

Josh and I really are trying to do better about watching our $ and trying to save a bit more and be aware of where our $ is going.

I have been wanting to try the envelope system, but have had a hard time finding a place to start with it....I have found it. I started it Tuesday. I made out envelopes and decided on amounts for envelopes. Yesterday I went to the bank and took out the $ for the envelopes. and then I found a better (and cuter) "envelope."

Take a look:

I bought this cute little pouch while at Old Navy yesterday...I did make sure
paper $ would fit nicely, before I bought it.

I cut out pieces from manila folders, added tabs and put my $ in each section.

Hell is freezing over

I have always been against budgets.
In a way.
We have x amount of money we transfer to the "Green" account for bills and monthly expenses.
Then the other money is another account for business etc.

I have always been scared because we have never made a lot of money and when we have tried to make a budget it didn' t work on paper, so I would stress about how we would pay for everything.

Well I have had it on my heart to really pay attention to WHERE the money is going.
Lately I have noticed more being spent on this and that than on bills or savings, SOOOO I knew I needed to do something.

Well I noticed a category thing on my online banking and it is AWESOME.
I can type in what the budget amount for x category is per month , and then it will tell me what percentage I have spent toward that category on any given day.
I do have to update the categories daily or whenever the transaction has processes, so I will have to keep up with that!

But I am going to TRY!

Any bits of advice you have learned or practice would be appreciated!