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Dave Ramsey's Retail Catalog Starter Envelope System
The Starter Envelope System has all the tools that you need to begin Dave's proven, easy-to-use cash-management system. Try out this simple way to manage your household income and expenses and avoid spending more than you earn!
Average Customer Rating:
Rating Snapshot (252 reviews)
5 stars
178
4 stars
56
3 stars
13
2 stars
3
1 star
2
246 out of 252(98%)reviewers would recommend this product to a friend.
Customer Reviews for Starter Envelope System
Review 61 for Starter Envelope System
Love the Envelope System
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Sweetsister21
Location:Chesterfield, MI
Love the Envelope System
Date:June 8, 2012
This works so well for me that I bought three more to give away! I love how easy it is to budget this way especially for car insurance - I've broken down our payment to a monthly amount, put that amount in the envelope for Insurance every month and when the bill comes due - deposit the money - pay the bill. It doesn't hurt one bit this way! (ok sending that much money out always hurts a little, but I don't have to stress out about where to come up with the money and then no "payment" for the next 5 months...build up again and repeat.
1 of 1 found this review helpful.
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Review 62 for Starter Envelope System
Greatest tool
Overall Rating:
Life Change:
5
out of
5
Quality:
4
out of
5
Value:
4
out of
5
Recommend to a friend:
4
out of
5
Review by: elcee
Location:Indianapolis, IN
Greatest tool
Date:May 31, 2012
The starter envelope system is such a great tool for learning to live on CASH. It helps you realize what you have to spend and how you have spent it....or where it went and it is all right there in a wallet size reminder.
1 of 1 found this review helpful.
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Review 63 for Starter Envelope System
Very handy and simple
Overall Rating:
Life Change:
4
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: MamaJo
Location:SW Iowa
Very handy and simple
Date:May 26, 2012
I bought this for a friend to help her to budget her money.
0 of 1 found this review helpful.
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Review 64 for Starter Envelope System
Conveniently Organized
Overall Rating:
Life Change:
4
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: AmyVSU
Location:Augusta, GA
Conveniently Organized
Date:May 7, 2012
I have tried the envelope system before with regular envelopes, but it was bulky and didn't really fit easily in my purse. I LOVE this wallet with the envelopes. There is plenty of space to write on the envelopes. The envelopes are spiral bound with a plastic pouch for change (you can get refills). I love that everything is in an ordinary and attractive looking leather wallet. I have had people at the bank, the grocery store, restaurants, and friends ask me about where I got this wonderful system.
5 of 5 found this review helpful.
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Review 65 for Starter Envelope System
Starter Envelope System
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: thelmab
Location:Hohenfels,Germany
Starter Envelope System
Date:May 4, 2012
I just love my new money system..It makes it very handy and easy to sore my money for just about anything I want it for. I can set aside money for bills, fun, trip whatever I want it for..I would suggest this to all my friends.
I would give it a five star..
I would give it a five star..
Thanks,
meme
meme
1 of 1 found this review helpful.
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Review 66 for Starter Envelope System
Eye-Opener
Overall Rating:
Life Change:
5
out of
5
Quality:
4
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: kimberlys14
Location:Indianapolis
Eye-Opener
Date:April 28, 2012
We love this system! It has been a real eye-opener to how we spend money. We're not in terrible shape debt-wise but are heading in that direction. Budgeting our money has really helped us focus on necessities, immediate wants, and goals. Since we're still trying to allocate our dollars we're not using the system to its full potential but slowly but surely we're getting there. The only drawback is the paper envelopes. I anticipate purchasing a lot of refills because we plan on using this for the long haul.
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Review 67 for Starter Envelope System
Great for use during the debt snowball
Overall Rating:
Life Change:
5
out of
5
Quality:
4
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: pogoogop
Location:Roscommon, MI
Great for use during the debt snowball
Date:April 23, 2012
The starter envelope system is just what the Dr. ordered for those of us who are engaged in debt snow-balling our debts. Once we are finished with baby step three we will spring for the more luxurious models. This envelope system works and is comparable to a 3,000 dollar car. Not a lot of bells and whistles but gets the job done nicely. Clearly a need when using a budget and working the beginning baby steps. The only drawback is the paper envelopes are a bit flimsy and I have big fingers so I rip a few of the envelopes trying to put money in and out.....probably my fault though. LOL
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Review 68 for Starter Envelope System
Best money spent!!!
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: DanW
Location:Scottsburg,In
Best money spent!!!
Date:April 12, 2012
This is an easy way to take control of your money makes it easy to see where it goes
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Review 69 for Starter Envelope System
Starter Envelope System is Awesome
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Soakley
Location:Tullahoma TN
Starter Envelope System is Awesome
Date:March 30, 2012
I love my Starter Envelope System so much I buy and give to friends. This last purchase makes about my 10th one. Perfect way to budget and stay on track!
Cashiers in the stores when I pay always ask where I got it at. They love it too!
Cashiers in the stores when I pay always ask where I got it at. They love it too!
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Review 70 for Starter Envelope System
Great purchase
Overall Rating:
Life Change:
4
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Moriah
Location:Okinawa
Great purchase
Date:March 27, 2012
The envelope system was a great purchase. It is very helpful in maintaining organization and keeping up with your day to day spending. Love it!
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Review 71 for Starter Envelope System
Better Living with Financial Peace
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Better4orever
Location:Sun City, Arizona, AZ.
Better Living with Financial Peace
Date:March 26, 2012
I've only worked the envelope system one month, but already feel I
have a better handle/control on our cash expenditures. The Monthly
Cash Flow system is sooooo Helpful. Hoping to have our Emergency
Fund completed before the 90 days, and going to have a savings plan
in addition.
I am not a young person, 75, and have struggled for the past 5 years
due to "unexpected " medical expenses and having to cope with our
home being "upside down". Financial Peace has been "uplifting" and
I know if I keep working hard on this financial path - I too will have ; the peace of God, which transcends all understanding. Philippians 4:7.
Thank you Dave Ramsey!!!!
have a better handle/control on our cash expenditures. The Monthly
Cash Flow system is sooooo Helpful. Hoping to have our Emergency
Fund completed before the 90 days, and going to have a savings plan
in addition.
I am not a young person, 75, and have struggled for the past 5 years
due to "unexpected " medical expenses and having to cope with our
home being "upside down". Financial Peace has been "uplifting" and
I know if I keep working hard on this financial path - I too will have ; the peace of God, which transcends all understanding. Philippians 4:7.
Thank you Dave Ramsey!!!!
4 of 4 found this review helpful.
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Review 72 for Starter Envelope System
Starter Envelope System
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Robrico
Location:California
Starter Envelope System
Date:March 13, 2012
Plain and simple. If the money is not in the specific envelope--that's it !
Great for budgeting and sticking to it !
Great for budgeting and sticking to it !
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Review 73 for Starter Envelope System
Helpful Tool
Overall Rating:
Life Change:
5
out of
5
Quality:
2
out of
5
Value:
3
out of
5
Recommend to a friend:
4
out of
5
Review by: FPUstudent
Location:Rockville, MD
Helpful Tool
Date:March 10, 2012
The starter set is very helpful! I'm new to Dave Ramsey's FPU. The starter set gave me a great overview of the principles and has served as a good tool to get started.
It's true that you can make something very similar by yourself and do just as well, but I like having an integrated set. The only complaint that I have concerns the quality. The coin purse ripped and there aren't a whole lot of replacement envelopes. I have, however, found it VERY helpful overall, and now I have a good idea of how to create one myself. I recommend purchasing it, if only to get a good, inspired foundation to create your own helpful little system along the same lines.
Good luck!
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Review 74 for Starter Envelope System
Very Handy Organizer
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: rebeccaa419
Location:Mansfield, OH
Very Handy Organizer
Date:March 7, 2012
...an excellent self-monitoring tool for tracking and controlling spending. Life changer.
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Review 75 for Starter Envelope System
Love it
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: transplant
Location:Cornersville, TN.
Love it
Date:March 2, 2012
A simple ideal that makes a major impact. I will recommend this to everyone.
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Review 76 for Starter Envelope System
Handy budgeting tool
Overall Rating:
Life Change:
4
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: MGM1000
Location:Columbus, Ohio
Handy budgeting tool
Date:March 1, 2012
I bought extra starter envelopes to share with my kids so they can learn budgeting and better money management. They're just getting started with an adult life and the requirements of better money management. These are great to have them realize where there money goes and how to manage it. They're durable, easy to follow and just the right size to take care of the job.
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Review 77 for Starter Envelope System
Overall Rating:
Life Change:
4
out of
5
Quality:
4
out of
5
Value:
4
out of
5
Recommend to a friend:
5
out of
5
Review by: trp3250
Location:Indiana
Date:February 29, 2012
This item is excellent in helping stay on your monthly budget.
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Review 78 for Starter Envelope System
EASY AND USER FRIENDLY
Overall Rating:
Life Change:
5
out of
5
Quality:
5
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Redoutlaw
Location:Vilonia,AR
EASY AND USER FRIENDLY
Date:February 21, 2012
I love the look and functionality of the envelope system, I have since upgraded to the deluxe
1 of 1 found this review helpful.
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Review 79 for Starter Envelope System
Love it
Overall Rating:
Life Change:
5
out of
5
Quality:
4
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: Anonymous
Location:Mesa, AZ
Love it
Date:February 11, 2012
This envelope system is the perfect size for my purse, and the registers make it super easy to track my spending. I love it so much I got one for my daughter as well.
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Review 80 for Starter Envelope System
Life Changing
Overall Rating:
Life Change:
5
out of
5
Quality:
3
out of
5
Value:
5
out of
5
Recommend to a friend:
5
out of
5
Review by: auburngrad
Location:Bristow, VA
Life Changing
Date:February 9, 2012
I just started using the envelope system three weeks ago. I am excited about being in control of our family finances and seeing the positive results of an increasing savings account each month. Paying in cash means spending less in the long run!!!
1 of 1 found this review helpful.
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