Smarter Budget

The envelope method · Step 9

Better habits

Seven small habits that keep your budget working for years.

You've built the system. These habits keep it working for years. Remember: a budget is only as good as your habit of using it.

The habits

  1. Record spending as you go. At the till, right then. It takes a few seconds. If you leave it for later, you'll forget.
  2. Keep your accounts reconciled. It keeps your numbers honest.
  3. Check once a week. Five minutes to look at your envelopes and see which ones are running low.
  4. Pause before you buy. For something you don't need, wait a day and see if you still want it.
  5. Look before you spend. Check the envelope before you spend, not after. Is there money in it for this?
  6. Pay yourself first. As soon as you're paid, put money into your savings before you spend any.
  7. Ask for help. If something in the app doesn't work, or you'd like a feature, tell us. You'll find how on the Support page.
Adding spending in Smarter Budget: amount, who it was paid to, the account and the envelope

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General information only, not financial advice. Think about your own situation, and talk to a qualified professional before big financial decisions.