Spend Well Budgeting System - Secret Garden

So I have used a number of things to do my envelope budgeting system, but by far this is my favorite.I will break it down by pros and cons of each to explain why I like this system wallet the best and what I would change.Plain Envelopes:Pros: inexpensive, readily available, easy to change as you learn to budget this way.Cons: Tear easy, bulky in wallets/purses, not linked in on place unless you rubber band them (which is a pain)Specialty Envelopes for budgeting:Pros: Smaller than regular envelopes, geared toward budgeting system with space to annotate expenses.Cons: Also tear easy though somewhat more durable. Though smaller than regular envelopes can still be bulky.More expensive than regular envelopesWallet specifically for envelope budgeting:Pros: All money is in one place in wallet. Security of wallet. More durable. Attractive.Cons: Limited space for envelope categories. Hard to change categories. More expensive than envelopes.No place to annotate expenses/spendingSpend Well Budget System:Pros: Several spaces for categories, space to annotate expenses/spending. Durable, attractive.Easy to change categories using white out if needed.Cons: Large spiral. No place for coins as money is stored long ways. With a envelope budget wallet you do have a zippered coin area.As you can see the large spiral is what I would change. It can be bulky, but may be necessary to be durable. That is really my biggest complaint. It works well especially if you have your system set. I purchased a small coin purse for my coins. I don't spend coins anyway. I save them. At the beginning of the pay period when I go to the credit union to get my cash I deposit the coins in my CD. It may seem small to you but i checked and those deposits added up to an extra 166 bucks in my CD for the year. Off topic but try it...it does add up.I highly recommend the Spend Well Budget System.

This is totally worth the buy!! There’s plenty of room for your envelopes to be filled with cash, sturdy, super cute, and functional. Smaller than expected but I like that I can carry it with me if I’m going to the store and it’s not too big/obvious/or a hassle.

This is the 4th one I've ordered. There are pockets, and refillable stickers to cover the envelope when you run out of room to write.It's compact, well made, super cute.I use one for general budget. One for special savings. You can use them for a lot of things.

Book is MUCH smaller than I expected. I’m surprised they found envelopes and gave stickers and cards to insert. Where?

I was pleasantly surprised when I opened this up. The seller packages this so well - mine was in tissue paper with a little bookmark and ribbon. It looks like this is a small business out of Texas. While I can't speak to the durability quite yet, it feels like quality material and is a great size. This will work perfectly!

I love this. We were using a wallet system with envelopes from Dave Ramsey, but it was getting old and envelopes were torn. This is great to use for cash budgeting. Seems very durable. I love that there are so many slots. I actually use a couple of slots in the back to keep receipts. It fits in my purse nicely.

Really cute and very functional. The organizer comes with plenty of extra budget stickers to keep track of spending. The binder rings also leave plenty of space for cash bulk.

Overpriced for what it is...if you are budgeting $30 for a journal is pretty steep.