It works if you use it correctly

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	• Deluxe Executive Envelope System: Dave Ramsey's Financial Peace University With Envelope And Other And ... Dave Ramsey Lampo, 2003 average customer review:based on 14 reviews view larger image
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highly recommended

Dave's envelope system

A nice companion for those of us following Dave's financial peace program. Anything to help with organization!

Not a new idea but a good one.

After reading Total Money Makeover this was the logical next step, and I love it. I was able to slide my checkbook in it and it has a place for my Debit and ATM card. There are 10 envelopes total and 4 of them are loose, I would have rather had them all in the book part and none loose. Using envelopes is not a new idea but Dave Ramsey gets you excited about it. I have always used cash but this system helped simplify the way I do it, now I don't have to try to track it all in my head.

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Handy Way to Handle Money

I have found that using Dave's envelope system has greatly helped control my spending habits. I had been using the basic envelope system, but the deluxe 'system' is much better. I no longer have to carry my wallet/check book AND my 'system' in my purse. I like the fact that there are a few loose envelopes included because I can put my husbands gas money for two weeks in one of the loose envelopes and he can toss it in the glove box of his truck and have it on hand when needed. I also put his 'blow' money in one of the loose envelopes as well. At first I was concerned about having so much cash on hand, but I have found that I am much more careful with my purse than I had been in the past. The quality of the product is acceptible although I think a good leather would have been a more durable choice of materials for the cover...maybe they were just thinking of the 'vegan' crowd;-) I would recommend this product to anyone who is currently using the Financial Peace system or considering it.

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It works if you use it correctly

I bought the envelope system in hopes to track my spending. I am doing much better today in not spending money left and right since I write down everything I spend. It keeps me honest as well. I am doing a good job of not borrowing from other envelopes. The only drawback I see in this is when I go to Wal-Mart I often buy things that come from two or more of my envelopes. What I do is make a purchase for each envelope, seperating the items I am purchasing by envelope. Overall I highly reccommend this product to anyone out there who is struggling with overspending. I have really cut back on my little spending. That is where my paycheck was really dissapearing to. I would eat out often at fast food restaraunts. I would also spend a couple dollars here and there at gas stations and other stores. Today I am more disciplined with my spending and it is all thanks to this Deluxe Executive Envelope System.

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