Cindy is a number-loving, money-saving expert. She pulled her own family out of debt. Now, she cuts through the nonsense and crunches numbers to find you the greatest value. When you join the Smart Family Money community, you'll get the tools you need to take control of your money. You will gain confidence in your financial future and freedom to spend your time on the things that matter most to you today. https://i.pinimg.com/236x/b3/b3/be/b3b3bea56e4c03583e3397600f5b1704--my-friend-friends.jpg

Small in size but big on functionality, this stylish women’s wallet features a zipper closure, front and back zipper pockets, 10 credit card slots, four bill slots and an ID window. Made of canvas or cotton with a polyester lining, this billfold makes a great companion piece for our coordinating totes and purses, or wear it alone as a fashionable evening clutch by adding a colorful Wristlet Strap. Now available to personalize with an embroidered monogram! https://i.pinimg.com/736x/62/47/70/624770eb4b1d6326c56ac2bd7135c90b--nature-inspired-a-color.jpg?b

I just absolutely love this company and the products so much variety of choices they carry. The great opportunity that they give women to going to business for themselves. I am not a consultant or representative, but I met a wonderful couple of ladies at a friends house and purchased two items. The quality is immeasurable and I love that they even monogram. I've been anxious to get my items, but it seems to take a few weeks. I will say they don't charge your credit card until the items have been shipped. And I love my free gift, I received when I placed an order over $30. I found the price is very reasonable and will be using my tote and cute little backpack/purse for years to come! https://i.pinimg.com/280x280_RS/54/9d/e6/549de6474c8f068878eedc0fe9548225.jpg
My FAVORITE product from Thirty-One Gifts is the Fashion Games purse in Cognac Woods Pebble. I have used this purse exclusively for over a year and a half. It has doubled as my briefcase and carried my laptop on several flights to Atlanta and California and I use it around town as my everyday purse. I love the slouchy style, the roomy interior and the small inside pockets where I can put my phone or keys and not lose them. After near daily use, this product is showing very little wear.  Originally this item cost $98 but it’s now available as an online extra for $58 plus tax and shipping. https://i.pinimg.com/originals/a3/44/dd/a344ddca770e3c31e4c40c83014c1b97.jpg
One of our most popular items, the Large Utility Tote makes a great camping tote, sports equipment bag, picnic basket or beach/pool tote. Capable of holding heavy loads, this big tote makes the perfect storage piece or closet organizer for just about anything around the house, including toys, books, blankets, laundry, tools, seasonal clothing or shoes, holiday decorations, car care items and more. Wire support around the top allows it to keep its shape and stand up when in use, and collapse down for easy storage when not in use. https://i.pinimg.com/originals/d9/15/ee/d915ee4952696329063ead4af8c829de.jpg
I noticed in the catalog that you could fit files in the zipper pouch (it was a lot bigger than the pencil pouch I was picturing), this made me rethink my current “office in a bag” for finances. I placed three files in the zipper pouch: “To File”, “To Handle”, and “Stamps and Envelopes”, then I placed my check book, my budget notebook and my extended budget (which is in a cardboard file) inside the pouch. I am so excited about this set up! It reduced weight and bulk and secures the files while letting them remain upright. It's a huge benefit to me to have all of our budgeting tools with me at all times. I can pay bills, track purchases and adjust the budget in little breaks throughout the day omitting the need for a set time, that I sit down and balance the budget. https://i.pinimg.com/originals/73/4b/06/734b06feb77e1a850fe0618016f0d438.jpg
Find events with vendors taking place in Pennsylvania such as art and craft shows, vendor expos, bridal shows, fairs, festivals, farm shows, antique shows, collector events, flea markets, and more. We also offer business directories listing vendors, direct sales representatives, artists, crafters and other businesses and services needed by small business owners and event planners. Our network of sites: PA Vendors | NJ Vendors | DE Vendors | MD Vendors https://i.pinimg.com/originals/2d/b5/fa/2db5fa1b2646eeb2dc4cd92f605ac2c1.jpg
Event planners! Looking for vendors? Many Thirty-One Gift Consultants are willing to be vendors at craft shows, vendor fairs, health and wellness events, trade shows, and other events with vendors. Vendors! Looking for events to sell and promote your products? Be sure to see our Index for Events in MD by County to find events near you – or our Index for Events in MD by Month. https://i.pinimg.com/236x/fb/57/67/fb5767e164c1a7b5dce1e362a07ebfe7---gifts-thirty-one-gifts.jpg?b
Boasting an eyecatching brown and cream design, this Organising Wallet from Thirty-One is created to efficiently hold your essentials, making them easily accessible and stored safely. With a canvas outer and a double compartment, your items are sure to be kept safe. The detachable shoulder strap allows this bag to be carried on the shoulder, making it a perfect evening bag. https://i.pinimg.com/236x/63/6a/4f/636a4f43aaf8dde1c552f7685bb37248--makeup-hacks-makeup-stuff.jpg?b

This is new-ish onto the cash envelope wallet scene and quickly becoming a crowd favorite. The All About the Benjamins wallet comes in 7 colors (solid colors, no patterns). This wallet isn’t flashy and you can most likely find a color to match your purse. It has two big compartments where you can put your cash envelopes or cash dividers. At the time of this article, the wallets are $48/each. https://i.pinimg.com/236x/9c/bd/23/9cbd2378c467cee191b893f6f70ace63--thirty-one-business-business-tips.jpg
Okay here we go, so I bought this last week for one of my friend's birthdays and THANK GOD it is more pale pink than in the photo. It's good quality (won't really know until she uses it) the zippers glide easily, the little keychain isn't total crap quality, it's basically you get what you paid for in a GOOD WAY. This surprised me, it's also bigger than I expected. I think she'll love it. Definitely recommend this. https://i.pinimg.com/236x/8f/72/c0/8f72c09c22f4d94973ff4be547f2ab65--my-thirty-one-thirty-one-gifts.jpg
Our most spacious wallet, the beautiful All About the Benjamins, is all about convenience and style. Made of luxe pebble faux leather, this billfold features 12 credit card slots, two bill slots and a clear ID window, plus an interior zipper pocket and an open compartment. The entire wallet has a zip closure to keep all contents secure and hidden. Easily turn it into a fashion wristlet by adding one of our Wristlet Straps. Or carry it as a women's wallet with a matching, on-trend handbag, purse or tote from Thirty-One Gifts.  https://i.pinimg.com/236x/06/ed/4f/06ed4f979849ac0e2c0328fcd5dcadf5--partyfood-fruit-skewers.jpg

Event planners! Looking for vendors? Many Thirty-One Gift Consultants are willing to be vendors at craft shows, vendor fairs, health and wellness events, trade shows, and other events with vendors. Vendors! Looking for events to sell and promote your products? Be sure to see our Index for Events in MD by County to find events near you – or our Index for Events in MD by Month. https://i.pinimg.com/236x/9b/72/a1/9b72a10f615c01dc8d2218c9316cb5a5--bethany-christian-services-initials-inc.jpg

Aubrey – I have two 31 Utility Totes, two bags from Amazon and one from Walmart. The bags from Amazon are cheaper than 31 bags but are every bit as good in terms of quality. Further, the Walmart bag cost the least but, in my opinion, is the best bag. The only downside is there aren’t many fabric choices. Also, I had another 31 bag that I bought as a work bag, it was expensive and it fell apart. I do like the 31 bags (I think the fabric is pretty) but I would rather save money. https://i.pinimg.com/236x/3a/0e/4d/3a0e4d51ccd1114c225f18254b468086---gifts-thirty-one-gifts.jpg
The Divide-It cash envelope system wallet is sold on Etsy for only $21.50 (at the time of this article) and comes with six blank tabbed category dividers. You can choose from a huge selection of fabric designs. This shop also sells custom labels for the dividers, spending logs that fit in the wallet, and coin and card pouches that fit inside the wallet; these are old sold separately from the wallet.
Our most spacious wallet, the beautiful All About the Benjamins, is all about convenience and style. Made of luxe pebble faux leather, this billfold features 12 credit card slots, two bill slots and a clear ID window, plus an interior zipper pocket and an open compartment. The entire wallet has a zip closure to keep all contents secure and hidden. Easily turn it into a fashion wristlet by adding one of our Wristlet Straps. Or carry it as a women's wallet with a matching, on-trend handbag, purse or tote from Thirty-One Gifts. https://i.pinimg.com/236x/60/db/33/60db33bef818b9ebf179eedd49d97084--consultant-pendants.jpg
For at least a month, try the basically-free method of using standard white mailing envelopes (or any of the other cheap DIY cash envelope organizers). Label each envelope with a budget category, stuff them with cash, and put them in your purse. If you stick to this system for a month or more, and find that it is helping you curb your spending and stay within budget, then invest in a special cash envelope wallet. https://i.pinimg.com/280x280_RS/e0/ff/ae/e0ffaef39846503d42a98176313fcb76.jpg

This custom cash envelope wallet was made by a fellow Dave Ramsey fan. You can by this wallet for $50 on Etsy and it comes with 6 zippered fabric envelopes each with a vinyl tab to stick your category label. If you want different budget categories, the shop owner will create customized stickers for you. The shop is filled with different styles and fabrics (including a Mickey Mouse themed cash envelope wallet!). https://i.pinimg.com/originals/c4/53/16/c45316026b0be134ceffa626dc9a92aa.jpg
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