Product Details

• Amazon Sales Rank: #449158 in Books
• Published on: 2003-01-31
• Original language: English
• Number of items: 1
• Binding: Misc. Supplies

Customer Reviews

Bulky but helpfull.
I got mine free with another deal where I got Dave Ramsey's Total Money Makeover Book.
There are 6 envelopes attached to the book itself. There are another 4 that are loose. It comes with a pen, a note pad, a clear plastic sleeve for coins, 5 slots for debit cards and a place for your check book.
I like how it forces you to organize yourself. I keep my checkbook and cash in it. However, it's very bulky. I don't actually carry it around with me, I don't like the idea of carrying that much cash around. I just take out what I need each day. It would probably work best for someone who carries a purse or briefcase.
It's a nice thing to have, but I probably would not have purchased it on it's own. You could probably build your own by getting an organizer from any place that sells school supplies.

Handy Way to Handle Money
I have found that using Dave's envelope system has greatly helped control my spending habits. I had been using the basic envelope system, but the deluxe 'system' is much better. I no longer have to carry my wallet/check book AND my 'system' in my purse. I like the fact that there are a few loose envelopes included because I can put my husbands gas money for two weeks in one of the loose envelopes and he can toss it in the glove box of his truck and have it on hand when needed. I also put his 'blow' money in one of the loose envelopes as well. At first I was concerned about having so much cash on hand, but I have found that I am much more careful with my purse than I had been in the past. The quality of the product is acceptible although I think a good leather would have been a more durable choice of materials for the cover...maybe they were just thinking of the 'vegan' crowd;-) I would recommend this product to anyone who is currently using the Financial Peace system or considering it.

Not a new idea but a good one.
After reading Total Money Makeover this was the logical next step, and I love it. I was able to slide my checkbook in it and it has a place for my Debit and ATM card. There are 10 envelopes total and 4 of them are loose, I would have rather had them all in the book part and none loose. Using envelopes is not a new idea but Dave Ramsey gets you excited about it. I have always used cash but this system helped simplify the way I do it, now I don't have to try to track it all in my head.