{"id":1027,"date":"2022-02-22T20:36:00","date_gmt":"2022-02-22T20:36:00","guid":{"rendered":"https:\/\/www.lendnation.com\/how-to-use-envelope-budgeting-to-increase-your-savings\/"},"modified":"2025-07-30T14:13:01","modified_gmt":"2025-07-30T14:13:01","slug":"how-to-use-envelope-budgeting-to-increase-your-savings","status":"publish","type":"post","link":"https:\/\/www.lendnation.com\/blog\/article\/how-to-use-envelope-budgeting-to-increase-your-savings\/","title":{"rendered":"How to Use Envelope Budgeting to Increase Your Savings"},"content":{"rendered":"\n<article class=\"wp-block-group alignfull p-post-single is-layout-flow wp-block-group-is-layout-flow\">\n<header class=\"wp-block-group alignfull p-post-single-hero is-style-theme-subtle-light has-backgrounds-subtle-light-background-color has-background is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:0;padding-right:0;padding-bottom:0;padding-left:0\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<div class=\"wp-block-columns are-vertically-aligned-center l-container is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-1f86b309 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__content has-global-padding is-layout-constrained wp-container-core-group-is-layout-a4fd459e wp-block-group-is-layout-constrained\"><div style=\"text-transform:uppercase; margin-top:0;margin-bottom:var(--wp--preset--spacing--60);\" class=\"theme-color-secondary t-date wp-block-post-date\"><time datetime=\"2022-02-22T20:36:00+00:00\">February, 2022<\/time><\/div>\n\n<h1 class=\"wp-block-post-title has-display-x-large-font-size\">How to Use Envelope Budgeting to Increase Your Savings<\/h1>\n\n<div style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:0\" class=\"taxonomy-category wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-vertically-aligned-center has-global-padding is-layout-constrained wp-container-core-column-is-layout-a209ae40 wp-block-column-is-layout-constrained\" style=\"flex-basis:50%\">\n<div class=\"wp-block-group p-post-single-hero__media has-global-padding is-content-justification-center is-layout-constrained wp-container-core-group-is-layout-587a7eb1 wp-block-group-is-layout-constrained\"><figure style=\"margin-top:0;margin-bottom:0;\" class=\"is-style-image-featured s-aspect-ratio-1-1 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg 6016w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?resize=768,513 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?resize=1024,684 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?resize=2048,1367 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2022\/02\/shutterstock_2013170108.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n<\/div>\n<\/div>\n\n\n\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n<\/header>\n\n\n\n<div class=\"wp-block-group p-post-single-body has-global-padding is-layout-constrained wp-block-group-is-layout-constrained\">\n<div style=\"height:100px\" aria-hidden=\"true\" class=\"wp-block-spacer is-style-spacing-80\"><\/div>\n\n\n\n<p>It\u2019s a digital world. Most of us pay our bills with autopay, view our credit card statements online, and use cash less often than we used to. But when it comes to paying down debt and saving money, nothing beats an old-fashioned envelope.<\/p>\n\n\n\n<p>So, what is envelope budgeting, anyway? It\u2019s putting cash in labeled envelopes to cover all your expenses. It\u2019s a simple way to track your spending, and it gives you an honest picture of where your paycheck goes. If you\u2019re struggling to stick to a budget, or don\u2019t understand why you\u2019re coming up short each month, envelope budgeting might help you figure it out.<\/p>\n\n\n\n<p>Here\u2019s how it\u2019s done.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-1-create-your-categories\">1. Create Your Categories<\/h2>\n\n\n\n<p>Saving money starts with an honest look at where your money goes. Get real with your spending. Where do you tend to blow your budget? Car washes? Manicures? Dinners out? Then, label envelopes for absolutely everything, including rent, utilities, and car expenses, too. Be specific as vague categories like \u201cmiscellaneous\u201d muddy the waters. Here\u2019s a quick list of categories to help get you started:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Restaurants<\/li>\n\n\n\n<li>Coffees<\/li>\n\n\n\n<li>Groceries<\/li>\n\n\n\n<li>Entertainment<\/li>\n\n\n\n<li>Personal Care<\/li>\n\n\n\n<li>Gifts<\/li>\n\n\n\n<li>Gas<\/li>\n\n\n\n<li>Car Maintenance<\/li>\n\n\n\n<li>Rent\/Mortgage<\/li>\n\n\n\n<li>Utilities<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-2-assign-your-budget\">2. Assign Your Budget<\/h2>\n\n\n\n<p>Next, decide how much cash should go in each envelope. Be real about what you can and can\u2019t spend. Start with the envelopes that cover expenses you can\u2019t avoid, like rent and utilities. Then, pick your next priority, and so on. Clearly write the budget number on the front of the envelope. The number serves as a visual reminder of what you do \u2013 and don\u2019t \u2013 need to spend.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-3-put-cash-in-the-envelopes\">3. Put Cash in the Envelopes<\/h2>\n\n\n\n<p>It\u2019s that simple. The minute you get paid, whether that happens weekly, twice a month or monthly, put the budgeted cash in each envelope. For example, if you\u2019ve budgeted $100 for gas and you get paid twice a month, put $50 in the envelope from each paycheck. That\u2019s your $100.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-4-spend-only-the-cash-in-the-envelopes\">4. Spend ONLY the Cash in the Envelopes<\/h2>\n\n\n\n<p>When you go grocery shopping, take out the money you need or take the envelope. If the cashier rings up a total that\u2019s higher than your budget, PUT SOMETHING BACK. It\u2019s the only way to truly stick to your budget, and it will help you become a lot more mindful of what you need, what you don\u2019t, and how much everything costs. Once the money is gone, it\u2019s gone. No more spending without going over budget.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-online-loans\">Online Loans<\/h2>\n\n\n\n<p>Envelope budgeting takes time to master. Sometimes, even with the best intentions, you need more money than you have on hand. If you find yourself in that situation, consider a loan with LendNation. We offer flexible loans that can get you the cash you need. The application is easy, and you can apply in-store or online, whichever is most convenient for you.&nbsp;<a href=\"https:\/\/www.lendnation.com\/location\/\">Find a location<\/a> or <a href=\"https:\/\/www.lendnation.com\/\">apply now.<\/a><\/p>\n<\/div>\n\n\n\n<aside class=\"wp-block-group p-post-single-related has-global-padding is-layout-constrained wp-container-core-group-is-layout-07747ed5 wp-block-group-is-layout-constrained\" style=\"padding-bottom:var(--wp--preset--spacing--80)\">\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-wide\" style=\"margin-top:var(--wp--preset--spacing--60);margin-bottom:var(--wp--preset--spacing--60)\"\/>\n\n\n\n\n\n<h2 class=\"wp-block-heading has-display-small-font-size\" style=\"margin-top:0;margin-bottom:var(--wp--preset--spacing--50)\">Explore Related Posts<\/h2>\n\n\n\n<div class=\"wp-block-group p-latest-posts-columns is-style-default is-layout-flow\">\n\t<div class=\"wp-block-query is-layout-flow\">\n\t\t<ul class=\"is-flex-container columns-2 wp-block-post-template is-layout-flow\">\n\t\t\t\t\t<li class=\"wp-block-post post-11555 post type-post status-publish format-standard has-post-thumbnail hentry category-budgeting tag-budget-tips tag-emergency-fund tag-financial-planning tag-flexible-payment-options tag-instant-debit-card-funding tag-large-expense-planning tag-paycheck-budgeting tag-saving-strategies tag-short-term-savings tag-sinking-fund\">\n\t\t\t\n\n<div class=\"wp-block-group p-post-highlight is-layout-flow wp-block-group-is-layout-flow\">\n\t<div class=\"wp-block-group p-post-highlight__inner is-layout-flow wp-block-group-is-layout-flow\">\n\t\t<div class=\"wp-block-group p-post-highlight__content is-layout-flow wp-block-group-is-layout-flow\"><h3 style=\"margin-top:0;\" class=\"wp-block-post-title has-display-x-small-font-size\">How to Save for Big Expenses Without Breaking Your Budget<\/h3>\n\t\t\t<div class=\"taxonomy-category u-visually-hidden wp-block-post-terms\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/category\/budgeting\/\" rel=\"tag\" class=\"cat-item\"><i class=\"cat-item__color cat-item__color--green\" aria-hidden=\"true\"><\/i><span class=\"cat-item__label\">Budgeting<\/span><\/a><\/div>\n\t\t\t<div style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2026-03-20T21:43:31+00:00\">March, 2026<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"Person reviewing budget plan for saving toward big expenses on a smart phone\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2026\/03\/shutterstock_360221423.jpg 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style=\"margin-top:var(--wp--preset--spacing--20);margin-bottom:0;\" class=\"t-date wp-block-post-date\"><time datetime=\"2025-05-19T10:00:00+00:00\">May, 2025<\/time><\/div><\/div>\n\t\t\n\t\t<figure class=\"p-post-highlight__media s-aspect-ratio-4-5 wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?w=1024\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"How to have fun this summer with budget-friendly summer activities\" style=\"object-fit:cover;\" srcset=\"https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg 5558w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=300,200 300w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=768,513 768w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1024,684 1024w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1536,1025 1536w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=2048,1367 2048w, https:\/\/www.lendnation.com\/wp-content\/uploads\/2025\/05\/shutterstock_1666540216_6975af.jpg?resize=1619,1080 1619w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure><\/div>\n\t\n\t<p class=\"a-hidden-link-cover wp-block-post-title\"><a href=\"https:\/\/www.lendnation.com\/blog\/article\/create-your-budget-to-have-a-fun-summer\/\" target=\"_self\" >Create Your Budget to Have a Fun Summer<\/a><\/p><\/div>\n\n\t\t\t<\/li>\n\t\t\t\t<\/ul>\n\t<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-buttons is-content-justification-center is-layout-flex wp-container-core-buttons-is-layout-62083a6e wp-block-buttons-is-layout-flex\" style=\"margin-top:var(--wp--preset--spacing--50)\">\n<div class=\"wp-block-button is-style-tertiary\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/www.lendnation.com\/blog\/\">Visit Blog\n\t\t\t                                                                                                  Homepage<\/a><\/div>\n<\/div>\n<\/aside>\n<\/article>\n","protected":false},"excerpt":{"rendered":"<p>Looking to save more and learn how to accurately budget? Envelope budgeting helps you gain better control of your finances.<\/p>\n","protected":false},"author":18,"featured_media":1430,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[73,57],"class_list":["post-1027","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting","tag-envelope-budgeting","tag-saving-money"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.1 (Yoast SEO v27.1.1) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>How to Use Envelope Budgeting to Increase Your Savings - LendNation<\/title>\n<meta name=\"description\" content=\"Looking to save more and learn how to accurately budget? Envelope budgeting helps you gain better control of your finances.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lendnation.com\/blog\/article\/how-to-use-envelope-budgeting-to-increase-your-savings\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to Use Envelope Budgeting to Increase Your Savings\" \/>\n<meta property=\"og:description\" content=\"Looking to save more and learn how to accurately budget? 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