Wallet Insert for Budgeting
Bring meaning to all those hours at work by keeping more of what you make. It's a whole lot easier to start a meaningful side hustle, switch companies to pursue more fulfilling work (especially if that involves a pay cut like working for a nonprofit), etc., when you have the financial freedom to do so.
Flexible wooden wallet divider based on the classic envelope system (popularized for a modern audience by Dave Ramsey) allows you to separate your cash by spending category without needing a new wallet, goofy long "suit wallets" (with endless paid refills...), or slow and not-very-discreet white envelopes at the checkout line.
Lets you create 3-5 custom categories (no need for labels-- you may want to combine some categories down the road or change their ordering within the divider, plus you're smart enough to remember 3-5 things). Having all of the money visible when you open your wallet is a quick visual reminder of your goals, and provides instant accountability (empty slot = maxed out; no borrowing from other slots).
Since wood is a natural product, color will vary (eg, some will be lighter or darker than others).
To Use: Insert divider into empty wallet just left or right of center (so it won't bend/break when wallet closes), and load each section with money, receipts, etc.. Stores neatly inside a credit card slot when not in use. Some inserts feature a logo on one side (necessary for trademark purposes, sorry), but if you face that toward your bills you'll never see it.
•Suggested Categories= "Provisions", "Recreation", "Personal" (using provisions lets you lump together your Walmart-type purchases like paper towels, cleaning sprays, toothpastes, etc. with your groceries, since who has time to itemize that much?)
1) These are made from two super thin sheets of real, actual, bona fide wood, bound seamlessly together with a special soy-based food-grade binder. They are incredibly resilient and pleasantly flexible when used as intended-- supported at the base by your wallet, tabs bending like fingers. Since wood has a grain, it only likes to bend one way and will break if pushed the other way. So, use as directed and shown in the product videos-- do not separate the tabs like a peace sign; do not push the tabs together like chopsticks; do not bend the divider in half along the short edge. The specially engineered radius at the bottom of each tab allows for natural expansion to accommodate 20 bills in each slot without breaking. If you need to fit more than that (but why, though?), use the empty wallet space before or after the divider instead. For trifolds, put in the middle third of your wallet. For bifolds, position the divider just to the left or right (your choice) of the center fold, so the divider will not be caught / bent when closing your wallet.
2) Try not to swim with your wallet (is that a thing?) since the divider is unfinished wood. If you do get it soaked, try drying it out slowly between two books to prevent curling.
Look at your savings account's entire balance. Divide that by your hourly rate. That's how many hours worth of work you've managed to save, life to date (eg, if you have $1,000 and you make $20/hr, you've managed to save 50 hours worth of work). Compare that to how many hours of work-- life to date, remember, since this is your total savings account-- that you've spent to squirrel away that amount. (eg cont'd, If you've been working 40 hours per week for 50 weeks a year for 5 years, that's 10,000 hours of work. So, you've saved 50 hours out of 10,000 hours, most of which you probably didn't get very fulfilled from. 50/10,000 is 0.5%, so you've spent literally 99.5% of all the money you've made, and for what?) Woah. Start working for your own dreams rather than somebody else's.