| 词条 | Envelope system |
| 释义 |
The envelope system, also known as the envelope method, is a popular method for visualizing and maintaining a budget. The key idea is to store the cash to meet separate categories of household expenses in physically separate envelopes.[1][2] UsageTypically, the person will write the name and average cost per month of a bill on the front of an envelope. Then, either once a month or when the person gets paid, they will put the amount for that bill in cash in the envelope. When the bill is due, the money is taken out to pay for that bill. This prevents the person from spending the money out of their pocket or bank account, because it is already allocated to the bill. This is a budgeting mechanism often suggested to people by Dave Ramsey.[3][4] SoftwareThere are multiple software products that offer help and automation with envelope budgeting, such as You Need a Budget. See also
References1. ^{{cite web|url=http://www.debtsteps.com/envelope-system.html|title=Envelope System Zero Based Money Management Budget|publisher=}} {{DEFAULTSORT:Envelope System}}2. ^{{cite web |title=The Envelope Method |url=http://www.betterbudgeting.com/articles/money/budgetbuilding101.htm |deadurl=yes |archiveurl=https://web.archive.org/web/20081011115912/http://www.betterbudgeting.com/articles/money/budgetbuilding101.htm |archivedate=2008-10-11 |df= }} 3. ^{{cite book | title=The Total Money Makeover: A Proven Plan for Financial Fitness| last=Ramsey| first=Dave| year=2003| pages=5| publisher=Thomas Nelson, Inc.| location=Nashville, Tennessee| id=0-7852-6326-8}} 4. ^{{cite web|url=http://www.daveramsey.com/etc/cms/index.cfm?intContentID=3461|title=Dave Ramsey's Envelope System|author=Dave Ramsey Web Services, Money, Budgeting and Debt Counseling|work=daveramsey.com}} 2 : Budgets|Personal finance |
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