My frugal month: less is more

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Having withdrawn the cash and holding a lump of notes I’m going to break it down into four envelopes.

Week 1: £30 – per day this is roughly £4.28 which could essentially be a coffee saver.
Week 2: £30
Week 3: £20 – per day this roughly £2.85
Week 4: £20

It’s a four week month so no need for five envelopes. Counting the days already. Although these envelopes are classified as “spending” the aim is not to spend. We’ve got everything we need. Weekly food, bills, mortgage and so on.

The plan being if there is less in each envelope it should prevent spending.Therefore giving us more at the end of the month to save or put towards an experience. Not forgetting this is all from one salary. The second salary is being saved! Frugal. That’s the name of the game.

This is my frugal month…

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