[header] How to do envelope budgeting [title] Create your budget. [step] This means dividing your money into categories. Avoid " miscellaneous " categories, as you should ideally know where your money is going. 
Some suggestions include : [substeps] Rent or mortgage payment childcare automobile costs: gas, insurance, repairs, etc. Groceries club fees (or some type of organization): gym, girl scouts, yoga studio, etc.