Someone wanted to know how to save with envelopes so I am offering my advice and I hope other forum members would continue.
Well list all the things you want to save for. For example clothes, vacation. Then determine the amounts you want to save each time you receive your pay check. So say if you receive your pay check once every two weeks then you would immediately take out the amounts and place them in the labeled envelopes.
I would recommend doing this with software. This way all would be a lot easier.