17 Of The Best Cash Envelope Wallets For Budgeting Your Money (2024)

The best cash envelope wallets for budgeting your money!

Are you looking to commit to budgeting with cash?

Or maybe you’ve already committed, and you’re just looking for an adorable cash envelope wallet to fit this lifestyle.

Whatever it may be, budgeting with cash has been one of the most valuable assets on our debt-free journey. When I first started cash budgeting, I was in my early 20s and literally carrying my money around in plastic bags.

Thankfully, that doesn’t have to be you because budgeting wallets are officially “a thing.”

Join me below for some of the best, most affordable, envelope wallets on the market.

What Is The Cash Envelope Wallet System

Do you budget using cash? A cash envelope wallet is a wallet that helps you organize your cash according to your budget. A functional envelope wallet separates your cash by categories.

Here are a few example categories:

• food
• gas
• entertainment
• clothes
• household items

The purpose of a cash wallet is to fill each of your categories in your wallet with cash, according to your budget. Once your cash is gone in a category, you are done spending for that pay period or month, depending on how you have your budget set up.

You can have as few or as many “categories” in your wallet as you would like.

Here are a few of the budget categories I use most often; food, household supplies, and entertainment. I personally don’t use cash to pay for gas. I struggle with staying on budget with food and household spending every month, so those are two categories I always need to have cash envelopes for in my wallet.

A great cash envelope wallet helps this method of budgeting flow seamlessly and is worth every penny.

How Will A Cash Envelope System Wallet Help Me Budget My Money?

There are quite a few benefits to using a cash envelope wallet system. Having a budget in place, only using cash, and tracking your expenses in your envelope wallet will save you a lot of money and help you do the things you’ve only dreamed of.

But besides that, here are a few benefits of using an envelope system wallet on the daily.

Benefits Of A Cash Envelope Wallet

–You Can Easily Track Expenses

An envelope system allows you to track your expenses effortlessly. Each category within your wallet includes a space to track every purchase you make.

Yes, you will visibly be able to see where every dollar you spend goes.

Tracking your expenses and your cash is an essential part of cash budgeting. Your wallet allows you to do all of this.

–Prevents You From Overspending

What happens when you’re cash budgeting and running out of money? You stop spending. If you don’t have the cash in your wallet, do you make random trips to Target? No, because you don’t have cash in your wallet!

This is why cash budgeting prevents you from overspending because once your money is gone, you won’t have anything left to spend.

When you spend with a card, you likely don’t track it. Most of the time, money flows right out of your bank account without even realizing it. Before you know it, you’ve spent your entire paycheck.

Having a wallet that keeps you organized will prevent you from overspending.

When Should I Spend Money On A Cash Wallet System?

There is no right or wrong time to spend money on an envelope system wallet. I was budgeting with those little white envelopes you use for mailing things for over a year before upgrading.

I had quite a few envelopes torn apart and probably lost some money because of that along the way. If you have the money, I would definitely think about upgrading sooner than later. I wish I had.

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• Living Cheap: How To Live Cheap And Still Thrive

19 Of The Best Budgeting Wallets

1. Cash Envelope Notebook Wallet

>>Read reviews and check prices here!

Whether you are a pro cash budgeter or just getting started, this is the perfect cash wallet for you. This cash wallet is RFID-blocking and includes everything you could need to be successful at cash budgeting.

This wallet comes with a variety of features that will help you become a successful cash budgeter.

I personally love how the money envelopes slip right into this wallet so easily. The wallet itself has a zipper for extra protection for your cash.

If, at any point, your money envelopes become ruined, you can purchase more or make your own.

This budgeting wallet includes:

• 12 budgeting envelopes
• 12 budgeting sheets
• 14 sticker labels
• Ruler
• Yearly calendar
• Monthly budget
• Monthly calendar

This budget wallet also comes with a 100% 90-day money-back guarantee. Meaning if you don’t like it, you can send it back to get your money back.

2. Budget Planner Organizer Wallet

>>Read reviews and check prices here!

This all-in-one budget wallet organizer had my attention at first sight. It has a 4.5 rating, and honestly, this wallet is gorgeous.

One of my favorite parts about this wallet is the cash envelopes. Each individual cash envelope is made out of plastic, and three-hole punched to fit in the wallet nicely. If you’ve ever used paper envelopes like most of us have, they fall apart so easily.

These plastic envelopes will allow you to use them over and over, without having to purchase more. SO, although the price is slightly higher than other wallets, it’s worth it!

This budget wallet organizer includes:

• Yearly calendar
• 12 budgeting sheets
• 12 plastic envelopes
• Envelope labels
• To-do list
• Grocery cost tracker

If you enjoy supporting small businesses, this wallet is made by a family-run business. They also offer a 100% money-back guarantee on their products.

If you are ready to meet your goals with a well-made product, this is the budget wallet organizer for you!

3. Dave Ramsey Wallet

>>Read reviews and check prices here!

This 4-star cash wallet comes with the trusted Dave Ramsey name. It comes in one color, black, and is made of imitation leather. If you follow the Dave Ramey envelope system and his famous 7 baby steps, you’ll love his wallet.

This Dave Ramsey envelope wallet includes:

• A place for your checkbook
• Memo pad
• Debit cardholder
• Cash envelopes
• Guide to using cash envelopes
• A space to keep track of expenses

Inside you will find a guide to using the envelope system along with several cash envelopes. There are a lot of raving reviews on this particular cash wallet, however, I did notice a few drawbacks, such as limited space to hold any debit cards.

In theory, you’ll be paying in cash, so you’ll need fewer debit cards in your wallet. However, I enjoy having multiple slots for carrying my health insurance card, dental, library card, etc.

This wallet does include everything you need to get started and is highly recommended for beginners. If you’re a Dave Ramsey fan, you’ll understand why this Dave Ramsey cash wallet is highly recommended.

Recommended:

4. Bella Taylor Cash System Wallet

>>Read reviews and check prices here!

The Bella Taylor cash wallet system is another popular brand and is known for its cash envelope wallet.

Most people enjoy this wallet because it has individual built-in spaces to keep your cash for each category that you are budgeting for. This means no messing around with cash envelopes.

If you’re looking to start cash budgeting but aren’t looking to deal with any type of envelopes, this wallet would be a great choice.

The Bella Taylor cash wallet system includes:

• Eight envelope slots for cash
• Printable tabs
• Checkbook pocket
• Pen loop
• Six debit card slots
• Two window ID slots

This would be the perfect wallet for someone who already has a budget binder and keeps track of their expenses and savings elsewhere. You should probably grab our free budget binder here, just in case!

This envelope wallet doesn’t include any of the extras that some of the wallets mentioned above do.

5. Three Way Cut Envelope Wallet

>>Read reviews and check prices here!

Are you looking for an affordable wallet that will do the job, then look no further. This envelope wallet will do just that.

When looking for a budgeting wallet, finding something that keeps my cash envelopes from falling out of my wallet is necessary. This wallet has an internal binder that holds all 12 budgeting envelopes so that they don’t fall out. I feel this is a must!

Other great features include multiple debit cardholders and individual budgeting sheets for each month. Keeping track of your daily expenses is a must when you use a cash system.

Being able to write down every expense after making a purchase is an essential task if you want to stay on budget.

This budgeting wallet includes:

• 12 budgeting sheets
• 12 budgeting envelopes
• Binder note
• Yearly Budget sheet
• 12 slots for debit cards
• Built-in coin pocket

If you are looking for a sleek black design for an affordable price, this is your wallet. Make sure to check out all the details below for yourself.

6. Kate Spade Cash Envelope Wallet

>>Read reviews and check prices here!

We all like nice things, right! The best part about budgeting is that it allows us to be able to afford the things we want. If owning a more expensive wallet, such as this Kate Spade wallet, is on your dream list. It can be done on a budget.

And most importantly, it can be turned into your own version of a cash envelope wallet.

As a matter of fact, any wallet, such as the one you have right now, can be turned into a budgeting wallet. I’m just using this Kate Spade wallet as an example because it’s my dream wallet.

If you want to make your current wallet work for you, all you need to do is grab some of the little clips, cut some labels out of paper, and grab a notebook from home. I love using these mini notepads. They are easy to store in your car, purse, and just about everywhere.

Label each of your categories, then clip your cash with the label, and put it in your wallet. You could also purchase or make your own cash envelopes to place in your wallet.

Recommended:

7. The Savvy Cents Wallet

>>Read reviews and check prices here!

Are you looking for an inexpensive envelope wallet to carry all of your cash? If so, this cash wallet might just be what you are looking for! This Savvycents wallet has 11 different styles to choose from, and it has an accordion file system to separate out your cash by categories.

If you are looking for an inexpensive envelope system organizer that’s cute, and you can carry cash in. Then give this savvy wallet a try!

8. Divvy Up Wallet

>>Read reviews and check prices here!

This fun envelope-style wallet comes with five different money dividers. These money dividers are removable from the wallet itself. The money divides also come in different colors, so it will be each to categorize your money by colors.

The cash envelopes also have magnets to keep your money in before slipping them into your cash wallet.

9. All In One Budget Binder/Planner/Cash Stuffing Wallet

>>Read reviews and check prices here!

This is so much more than “just a wallet for cash!” The all-in-one budget binder isn’t only a cash-stuffing wallet. It includes a cash stuffing binder, calculator, planner, and zipper envelopes for cash.

All of this is included and more inside this envelope-style wallet. If you need a wallet for cash this might just be the one! Use the link below to check out what this cash-stuffing binder includes.

10. Hommie Cash Envelope System Wallet

>>Read reviews and check prices here!

Do you already have a wallet you love at home and aren’t looking to make the change over to a budgeting wallet? If so, this is a great alternative.

I love cash budgeting because it’s extremely flexible, and there are so many different ways to do it. All that matters is that you start. Tracking your expenses will absolutely change your financial future.

This cash system wallet includes:

• 12 water-resistant envelopes
• 15 expense tracker sheets
• One carrying pouch
• 24 stickers for envelopes

If you’re struggling with your finances and looking for an inexpensive place to start, this would be it. These budgeting envelopes and pouches will help keep you organized and start saving you money.

11. Mou Meraki Wallet

>>Read reviews and check prices here!

This envelope-style wallet comes with five different bill compartments. It’s also RFID blocking meaning it protects against identity theft! It comes in almost 30 different colors and comes in a gift box packing.

12. SKYDUE Cash Holder Wallet

Read reviews and check the price here!

This cash organizer isn’t only affordable, but it’s tear-resistant! Meaning you won’t have to worry about your cash envelope breaking any time soon. Its money-sized envelopes also have zippers, so you won’t have to worry about losing cash or coins. This is a great contender if you are looking for a great envelope for money!

This cash holder wallet includes:

• 8 zippered cash envelopes
• 12 budget sheets
• 24 category labels
• Storage for a passport, ID card, & bank cards

This wallet is it if you want a cute cash envelope to organize your cash! It’s also a bestseller on Amazon!

13. Soul Mama Cash Envelope Wallet

>>Read reviews and check price here<<

This money envelope wallet is the perfect money wallet! If you love storing your money in envelopes, you’ll love this wallet. It comes in nine different colors, one being glitter, which is so fun! If you are looking for a functional girly cash organizer, you’ll love this.

This cash organizer includes:

• 10 pre-printed envelopes
• 10 expense trackers
• One gorgeous cash wallet
• Cash slots
• Pen holder
• Additional cash pocket

One negative to this wallet is that envelope budget system categories are pre-labeled. If you want to label your own cash envelopes, you can’t! However, this might be a pro for others who are fine with the labeled cash envelopes provided.

14. JUSTSHIK Cash Budget Wallet

>>Read reviews and check price<<

If you are ready to tackle the famous cash envelope system, this budget wallet is definitely a contender. This cash wallet also works as a great place to store your sinking funds! This wallet has 12 paper cash envelopes, a pen holder, card slots, and a bill compartment.

If you are looking for a wallet for under $20 with great ratings, give it a try!

15. Pendely Cash System Wallet

>>Read reviews and check price<<

This money wallet organizer is a newer wallet! That being said it has just about everything you would need in a budget envelope wallet.

It comes with 12 cash envelopes, and 14 monthly budget cards. It has a money divider for extra cash, ID card area, and more.

16. Clever Fox Cash Wallet System

>>Read reviews and check price<<

If you already have a wallet at home and you aren’t looking to switch, this is a great alternative for you! These cash envelopes are easy to use and store! Fill the envelopes and slip them in the zippered pouch provided!

These money collection envelopes work great and are a great alternative to completely switching your wallet. So if you already love your wallet, but want to do the cash envelope method, check these out!

17. Antner Cash Organizer

>>Read reviews and check price<<

This cash organizer is extremely affordable! If you are looking to customize each cash envelope in your wallet, you will love this cash wallet! It also comes with a fun budget savings challenge! The cash holder is small enough to fit in your purse, so you can take it any and everywhere!

This cash organizer includes:

• 10 envelopes for money
• 12 expense budget sheets
• 35 sticker labels
• Savings challenge
• Extra storage for debt cards & extra cash

18. Nefeeko Cash Envelope Wallet

>>Read reviews and check price<<

This cash envelope wallet comes in a handful of colors! It also zips shut for added security. Inside you’ll find a calculator, 2 card holders, an extra pocket for recipes, and a pen holder.

This cash wallet comes with 12 cash-sized envelopes, 12 monthly budget sheets, three sheets of stickers, and labels.

19. Lemonfilter Envelope Wallet

>>Read reviews and check price<<

This cash wallet contains lots of added-on goodies! If you are looking for an inexpensive cash holder that checks all of the boxes, this is it. It comes in two colors with girly designs, making it the perfect womens envelope wallet.

What’s included in this cash wallet:

• 6 clear zipper envelopes
• 6 clear pocket flips
• Double ID card/credit card pockets
• Stickers
• Labels
• Ruler & pen
• Budget sheets

How To Make Your Own DIY Cash Envelope Wallet

Not ready to invest in your own cash envelope wallet just yet? If so, that’s fine. As I mentioned above, I budgeted using plain old white envelopes for years before I actually bought myself an envelope wallet.

If you aren’t ready to make a move to a cash wallet, you can start by making your own, or we have some cute cash envelope templates here!

Where To Buy Cash Envelopes?

Okay, so maybe you don’t like the look of our cash envelopes above, and you aren’t ready to go all-in on a cash-stuffing wallet.

Thats fine! Thankfully there are other options!

As I mentioned above, starting out using a simple white envelope is a great idea. You could also head over to Etsy and find a printable envelope design you like. It will only cost a few bucks to get a cute, stylish, but affordable way to budget using cash.

Envelope System Wallet – Summary

In conclusion, investing in a cash envelope wallet is an important step to reaching your budgeting goals. Not only can they be stylish, but they are also practical and durable with customizable options. It’s essential to find the wallet that works for you so that you can stay on track with your finances.

Whether you choose cloth, leather, or another material, an excellent cash envelope wallet is worth considering for those seeking to become successful at budgeting! So if you’re looking for a great way to get started with budgeting, look no further than one of the top cash envelope wallets we discussed today – there the perfect choice!

With so many options available, why not give one of these fantastic wallets a try now? Invest in yourself and enjoy financial freedom!

Have you tried a cash wallet system before? Let us know in the comments below.

If you enjoyed this article, save it for later and join us on Pinterest for more money-saving tips and tricks!

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