The envelope budgeting system divides your income into different spending categories—bills, groceries, gas, and so on. Once you've decided how much you should spend on each category, you'll take that amount in cash and place it into an envelope. Then, only spend what's available in that envelope for that category's bills or purchases. The aim is to prevent you from overspending by limiting what is available to spend. You use cold hard cash to control your spending and when you run out, you stop spending. Product Details: -Size: 7.5" x 0.5" x 4.25" -Ring Bind -Instructions on how to budget -12 colorful envelopes to help you budget -2 sticker pages to seal your envelopes