Twelve Envelopes: A Household Budget in Public

Field notes

The household fixes its twelve envelope amounts for a year, then compares each month’s plan with actual spending in a dated issue. The August record assigns $214 in emergency-vet costs to an $85 dog envelope and covers the $110 difference from a buffer rather than reducing savings. Supporting sections explain the grocery, utilities, car, and sinking-fund categories, while a dated error log preserves cases where the envelope amounts were set incorrectly.