The envelope system is a great way to help make budgeting easier. You would want to start listing all your expenses that spend each month. Then you make categories such as food, auto, rent, clothes, etc.

Then each paycheck you would want to deposit a certain amount of money into each envelope. You would want to split the amount you put in, buy the number of times you are paid each month.

For example, you are paid twice a month and rent is 1000 dollars a month. So you would want to put 500 dollars each paycheck and put it in the envelope.

Important points

1. do not leave your envelopes laying around where anybody can find them, make sure you hide them where you and your trusted spouse can find it. You do not want your kids or anybody else that comes to your house to find it.

2. With rent and major expense it is a different story about putting into an envelope, obviously you do not want somebody to steal it or gets misplace and for two you can be earning interest on your account. What I do is have a separate bank account that gets direct deposited into my account. In fact I have 3 bank accounts because I do not trust myself) , one for rent, one for spending money, and the other for emergency money.

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