Budget method
Envelope budgeting gives each category a fixed spending limit. When the envelope is empty, you stop—or deliberately move money from another envelope.
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Traditionally, people put cash into labeled envelopes for groceries, transport, and fun. Digitally, the same idea uses category limits. The psychology stays useful: constrained categories reduce mindless overspending.
Use last month’s spending as a baseline. Set envelopes for flexible categories first—food, shopping, entertainment—then protect fixed bills and savings outside those envelopes.
You have three honest options: stop spending in that category, move money from another envelope, or pause and revise next month’s plan. Hidden credit-card float breaks the system.
If expenses are not recorded, envelope balances are imaginary. The method only works with a tracker you will actually open after every spend.
Decide your category envelopes, then log expenses in MoneySpent. Category insights show whether you are still inside each envelope before month end.
FAQ
Quick answers about tracking, privacy, and getting started.
No. Digital category limits work the same way if you track spending consistently.
Sign in, add your first account, and log your first expense. Clear money habits start small.
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