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Deluxe Executive Envelope System (Dave Ramsey's Financial Peace University) Imitation Leather – February 1, 2008
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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
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Top Customer Reviews
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.
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! :)
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.
Most Recent Customer Reviews
Very Nicely made and is what I thought it would be construction wise. I'll put it to good use.Published 21 hours ago by O. Ponce
Firstly, if it's a wallet it should fit in a pocket. This one, being tri-fold for no good reason, has not 2 but 3 thick heavy (in other words, not intended to bend to the shape of... Read morePublished 6 days ago by John F Meyer Jr
Very good product and helps me to use cash more and keep account of my spending.Published 13 days ago by Loves to read
I love the Dave Ramsey program and was excited to use this wallet. My main complaint would be that the envelopes are paper which after some use will tear and become useless. Read morePublished 17 days ago by Lisa A