What is the Budget Binder/Cash Envelope system?

This simple system helps you take charge of your money by withdrawing cash on payday and dividing it into envelopes for your chosen categories — like groceries, fuel, fun, and more. Once an envelope runs dry, that’s it until your next budget cycle. But if you’ve got money left? Roll it into your savings goals and watch your progress grow.

  • Why it works:
  • Encourages mindful spending
  • Prevents overspending
  • Helps you hit savings goals faster
  • Totally customizable — add or change categories anytime!
  • Low-cost to start, but the financial rewards are huge

So are you ready to jump on the trending Cash Envelope Budgeting wave with a flexible, fun, and fully customizable solution that actually works — because YOU’re in control!

Start now — your future self will thank you.

  • Financial freedom is easier than you realise.

    Otter and Eighteen, is a little corner of the world to help you organize your money, save for everyday expenses, a special event or whatever you choose to save for and have fun doing it.

    Shop Opening Sale 

  • Easy Savings Solutions

    Our binders, envelopes and challenges will empower you to manage your finances with ease and fun. You get to choose how much and what you want to save for.

    Shop now 

Gallery

Inspiration from custom made items can be found in the Gallery.

1 4
View all