The cash envelope system is when you use cash and envelopes to organize your budget. So instead of creating charts and spreadsheets, you literally create your budget categories with a designated envelope for each budget category and then place the money allotted to each category into each envelope. Yes interest rates are at an all time high for keeping your money in a high yield for savings but if you don’t have anything to put in there it really doesn’t do you any Justice. If you have a hard ti