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Deluxe Executive Envelope System (Dave Ramsey's Financial Peace University) Imitation Leather – February 1, 2008


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Frequently Bought Together

Deluxe Executive Envelope System (Dave Ramsey's Financial Peace University) + The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness + The Financial Peace Planner: A Step-by-Step Guide to Restoring Your Family's Financial Health
Price for all three: $36.65

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Product Details

  • Series: Dave Ramsey's Financial Peace University
  • Imitation Leather
  • Publisher: Lampo Press; Unbnd edition (February 1, 2008)
  • Language: English
  • ISBN-10: 1934629324
  • ISBN-13: 978-1934629321
  • Product Dimensions: 7.3 x 5 x 1.3 inches
  • Shipping Weight: 7.2 ounces (View shipping rates and policies)
  • Average Customer Review: 4.0 out of 5 stars  See all reviews (118 customer reviews)
  • Amazon Best Sellers Rank: #3,344 in Books (See Top 100 in Books)

Editorial Reviews

Review

Love the fact that it's got everything in one place! Checkbook, envelopes, place to write notes, a pen :) and places for my debit cards and my change! --daveramsey.com

My first review of a product ever!!! Always tried to do budgets on paper or on the computer and never stuck with it! This is so easy and we are seeing our savings grow quick! Love it! --daveramsey.com

More About the Author

Dave Ramsey is the author of the New York Times bestselling books Financial Peace and The Total Money Makeover. His radio program, The Dave Ramsey Show, is heard on more than 450 radio stations throughout the U.S. and transmits Ramsey's inimitable financial advice to more than 4 million listeners each week. Dave also hosts his TV show, The Dave Ramsey show primetime on the Fox Business Network. Many national corporations as well as more than 1 millioin families have benefited from Ramsey's Financial Peace University program and his many LIVE events. www.daveramsey.com

Customer Reviews

It keeps me honest as well.
Jackson Longan
I have found that using Dave's envelope system has greatly helped control my spending habits.
Mom of Two
I found this system to be mostly useless.
D. Lewis

Most Helpful Customer Reviews

139 of 141 people found the following review helpful By Mom of Two on October 3, 2005
Format: Misc. Supplies
I have found that using Dave's envelope system has greatly helped control my spending habits. I had been using the basic envelope system, but the deluxe 'system' is much better. I no longer have to carry my wallet/check book AND my 'system' in my purse. I like the fact that there are a few loose envelopes included because I can put my husbands gas money for two weeks in one of the loose envelopes and he can toss it in the glove box of his truck and have it on hand when needed. I also put his 'blow' money in one of the loose envelopes as well. At first I was concerned about having so much cash on hand, but I have found that I am much more careful with my purse than I had been in the past. The quality of the product is acceptible although I think a good leather would have been a more durable choice of materials for the cover...maybe they were just thinking of the 'vegan' crowd;-) I would recommend this product to anyone who is currently using the Financial Peace system or considering it.
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87 of 89 people found the following review helpful By Jackson Longan on July 3, 2006
Format: Misc. Supplies
I bought the envelope system in hopes to track my spending. I am doing much better today in not spending money left and right since I write down everything I spend. It keeps me honest as well. I am doing a good job of not borrowing from other envelopes. The only drawback I see in this is when I go to Wal-Mart I often buy things that come from two or more of my envelopes. What I do is make a purchase for each envelope, seperating the items I am purchasing by envelope. Overall I highly reccommend this product to anyone out there who is struggling with overspending. I have really cut back on my little spending. That is where my paycheck was really dissapearing to. I would eat out often at fast food restaraunts. I would also spend a couple dollars here and there at gas stations and other stores. Today I am more disciplined with my spending and it is all thanks to this Deluxe Executive Envelope System.
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147 of 157 people found the following review helpful By C. Barker on September 18, 2005
Format: Misc. Supplies
I got mine free with another deal where I got Dave Ramsey's Total Money Makeover Book.

There are 6 envelopes attached to the book itself. There are another 4 that are loose. It comes with a pen, a note pad, a clear plastic sleeve for coins, 5 slots for debit cards and a place for your check book.

I like how it forces you to organize yourself. I keep my checkbook and cash in it. However, it's very bulky. I don't actually carry it around with me, I don't like the idea of carrying that much cash around. I just take out what I need each day. It would probably work best for someone who carries a purse or briefcase.

It's a nice thing to have, but I probably would not have purchased it on it's own. You could probably build your own by getting an organizer from any place that sells school supplies.
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33 of 35 people found the following review helpful By T. Sharp on December 2, 2011
Format: Imitation Leather Verified Purchase
I am not a fan of this Envelope System for a few reasons. I want to say that I absolutely love Dave Ramsey, I've been through his Financial Peace course, and I am on the road to changing my financial situation, but this Envelope System was just BAD (for me). Hopefully this review will help a few of you out!

I'm male. I don't have a purse that I carry with me, nor do I have a fanny pack, or some other device that would help me lug this huge "wallet" around with me. The wallet usually sticks out at least 2 inches from my back pocket, and is just not a good idea. If I was to follow the system that Dave lays out I would be carrying LOTS of cash in an EXPOSED position! NOT SMART! So, the other alternative is to put the wallet in your front pocket. This thing is probably 3 inches thick...which is not comfortable at all standing up, and good luck trying to sit down comfortably.

For ladies I think this wallet system would work perfectly. You could place this in your purse and it would be a great system for you to manage your finances with, but as a male it's just too bulky and unwieldy. Sorry guys! The system itself is intriguing, the packaging is what kills it. That's why I gave it a 2 (from a male perspective, from a female perspective it'd be around a 4).

Good luck with your financial goals! :)
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30 of 32 people found the following review helpful By 2much2do on February 27, 2007
Format: Misc. Supplies
I wanted to start using an envelope budgeting system, but was trying to decide between this and the online mvelopes system. Mvelopes looked great, but charges a monthly fee that really adds up over time. This is far more cost effective! And I suspect it's a better way to change behavior because you can actually see the dollar bills as you spend them - or don't spend them. I never noticed the materials being cheap - but I'm pretty practical so the function is more important than the look. For what I paid, I can afford to buy a new one in a year if I need to!

I was very nervous about using cash. But this system makes it easy. Before, I would systematically run out of money 5 or 6 days before payday. But since starting this system a few months ago, I have built up a cushion of several hundred dollars in my checking account, made extra payments to my credit cards, and seldom overspend in any category. There were more than enough envelopes for me - I don't pull out cash for every single budget category. Only those that are discretionary. But you can always order extra envelopes if you need them. I can't wait to see where I am after a year of using this system.
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