By this point we all know my love-hate relationship with the money envelope system.
Well I am so fed up right now I think I might be over it….
At the beginning of the month I withdrew money and carefully stuffed each envelope. It’s still early in the month so I KNOW I have only made 3 transactions so far (1 from the “eating out” envelope and 2 from the “groceries” envelope).
Well this morning, for whatever reason, I was counting my money and….
….I’m $40 short in my groceries envelope!!!!
Remember this happened last month, too, but I chalked it up to me forgetting a quick grocery store run. But this time we’re not even a week into the month so I can remember every purchase I’ve made and I KNOW 100% I did not spend that $40.
I know my husband wouldn’t “steal” from our envelopes, but I called him anyway, fingers crossed and hoping that he had needed to “borrow” a little cash (since that’s the only thing that would explain it).
No such luck. Husband hasn’t touched the envelopes and was somewhat offended I would even suggest he had “borrowed” from our family’s money.
Soooo, I’m pretty sure I lost it.
I know for sure that the envelope originally had the correct amount of money. I even counted after my first grocery store trip and everything was accurate.
But this most recent trip was at Walmart. Remember how I use my money envelope for holding coupons, too? I remember distinctly 2 separate times when I had paused to dig through my envelope and make sure I had a coupon for the item I wanted to put in the cart. I must have somehow dropped money at one of those times. That is the ONLY thing I can think of to explain where this money has disappeared.
Regardless, I am pissed. I’m pissed at myself, at the stupid envelopes, and at the world. I know it sounds childish, but I’m really, really upset. $40 amounts to basically half of a week’s worth of groceries. That’s a significant amount of money right now.
So I’m calling it quits. I’m done with the envelopes. The whole purpose is defeated if I keep loosing money.
Update: I wrote this on Thursday morning and on Thursday afternoon I found the “lost” $40. Turns out…I’m an idiot and had written the wrong amount for my Walmart receipt so the numbers didn’t match up when I was balancing the envelope because I was “off” by $40.
Sorry for cursing you, world! Also – I stand by the fact that the envelope system (at least in its paper format) may not be for me. Some readers had suggested mint.com and various apps that could be used. Perhaps that will work better for me. I’ll continue on the rest of the month with the paper envelopes but this will be the last month, for sure. Clearly I am too i
rresponsible dumb to have so much cash on me!