Do you save money in envelopes? How do you categorise the envelopes?

[OhioOhioOhio]

I'm trying to get organised on a low budget.

I don’t but my Granny did. Holidays, Housekeeping, Bills, Emergencies........
Although I do parcel it away in different savings accounts so I suppose it’s not much different!

I used to do this. I had all the regular bills in separate envelopes, envelopes for approximations of the less fixed ones, again, individually, the food budget in one and I tried to have another for saving a bit. The food one I divided by week rather than month. Oh and one for transport.

My mum did something like this, she had special money box tins like this one to divvy everything up, into housekeeping, electric, gas, Christmas, birthdays, groceries etc. I’ve tried to do this with envelopes but I find it much harder in today’s world that is increasingly cashless.

I use these OP 😁😁

Firstly have you got everything you can on direct debit? See if you can get them set up so they get paid all on the same day as close to pay day as you can. I use online banking and have set up lots of little accounts for stuff eg. car insurance, Xmas, holidays, birthdays that aren't on direct debit. I set up a standing order to pay each a set amount each payday so I don't even have to think about transferring it over. Most banks will be able to do this, even if the interest rate it shit it still stops you squandering it then struggling when big bills are due.
My income comes from a few places and at different times - tax credits, salary, child benefit etc. I get them all paid into one account over the month and transfer it all in one go on 'payday'. (I also get a free month for tax credits and child benefit that are paid 4weekly, always great to have an extra few quid you weren't expecting in the kitty)

I used to. Had a big filing box for it.
It worked too. I had money left over each month.

Try a Monzo account it’s the same things but keeps records for you