on the use of budget envelopes I use the zero budget method, i.e. I give each euro a place in my budget, there is no money left over at the end of the month, but that doesn't mean everything has been spent.
I often hear the phrase "I spent x euros this month and I don't know where they went" this is not possible with the zero budget method.
If after calculating your fixed and variable costs you still have money, you must separate each expense item from the daily:
examples: shopping, restaurants, clothing, children's clothing, extras (toys, etc.)
Let me explain, if you earn 1500 euros and you have 900 euros in fixed charges, you have to distribute the rest in each item of expenditure chosen so 250 euros of shopping for example, 50 euros of pleasure (clothes etc.) and the rest for something that you have wanted to buy yourself for a long time or an activity that you have wanted to do for a long time.
