This is the ENVELOPE SYSTEM connected to Dave Ramsey's Financial Peace University!
If you did not get anything but this and start to use it, you'd see a change in your spending and budgeting habits in about 4 weeks time!
The envelope system is nothing new, as far as learning how to budget, but it is still the simplest method out there. This handy pocket version of the "envelope system" houses 12 categorized envelope pockets with extra category pages included, as well as a clear plastic pouch for lose change and receipts.
This nifty, simple little tool will get you started in managing your finances better than ever!