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/345x/b6/57/aa/b657aa949bb886dba0ad1b92f345e7f8.jpg
I put 3-ring binders, notebooks, laptop, everything I need for school in this bag, and it holds up really well. Stitching is strong and fabric is super sturdy. The wide bottom makes it convenient for putting in lots of things. The fabric is flexible yet holds up the shape even when completely empty. I really like the fact that the bag can "stand" on its own when I put it down on the floor. The large pockets all around are so handy for organizing things. I especially like the mesh pockets on the sides, which I use to hold water bottles. https://i.pinimg.com/236x/b8/a0/f6/b8a0f6698ef242cb1f1681bcc27b1667--initials-inc-organizing.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/236x/0e/49/cd/0e49cdf4cd34e83eafb5c20286a2ec36.jpg
This 5-compartment, zippered wallet is absolutely perfect for the cash envelope system even though it’s commonly used to store and organize coupons. The Save Your Way Clutch by Thirty One currently comes in three different designs and only cost $30 at the time of this article! The wallet also perfectly fits the Save Your Way inserts which are which are absolutely perfect as cash envelopes since they also have a spending log on the back (with space for the date, description, cost, and balance for each purchase you buy) – I’m in love! https://i.pinimg.com/originals/38/50/d8/3850d8ed900c771b7eddbd02488b62db.jpg

After an impromptu trip to the farmer's market, you are left trying to carry all of your purchases without dropping or losing something. A Thirty-One Large Utility Tote is roomy enough to carry all of your goods, and it easily collapses after you are through using it. It is an open-top bag, allowing you to fit items that are bulky or non-traditionally sized. A lid is available for the tote if you need to turn it into a closed bag. It has a metal frame so that it can support your heavy items without sagging. If you like a zip-top bag, the Thirty-One Large Organizing Utility Tote is available as a zip-top bag and an open-top bag. This product measures 10.25 inches in height, 15.5 inches in width, and 6.5 inches in length, while the Large Utility Tote is 11.75 inches high, 21.5 inches wide, and 10 inches long. The reliable sellers on eBay offer these products in different patterns so that you can find a tote that you enjoy carrying. A Thirty-One Large Camo Utility Tote is perfect for both men and women who prefer an outdoorsy look. With a Thirty-One Large Utility Tote, you can always have a bag available the next time you need an extra set of hands. https://i.pinimg.com/236x/6f/d3/a0/6fd3a0eba914dcb34562394d14d71b47--rose-water-water-me.jpg


Hands-down the Savvycents wallet is one of the most recommended and highly praised cash envelope system wallets. This zippered wallet has an accordion folder with five dividers. It comes with pre-printed and blank labels to customize your envelope categories. It’s very affordable (at the time of this article it’s ~$30), durable,  and comes in seven different colors/designs. https://i.pinimg.com/236x/26/98/40/269840d9b090dc54d29b718b0ce831e3--scratch-off-cards-scratch-off-tickets.jpg

Meet Mom Does Reviews' owner and creator- Pam! Pam is a Wife, Mom, Blogger-Addict, Animal-lover, MRI tech living on her happy homestead in New Hampshire with her son and hubby, 2 dogs, 2 cats, plethora of poultry 3 bearded dragons and a Tortoise named Speedo. Pam loves to spend time with her boys, eat chocolate and drink coffee. Pam loves all things Marvel and Disney - as you can see from all the movie posts! https://i.pinimg.com/236x/ec/b1/25/ecb125f62c1d00de164b98b485c3edb5--younique-party-games-younique-presenter.jpg
Ladies, if you like bold patterns and bright colors, you may have a Thirty One wallet in your purse. These fashionable wallets are perfect for the woman who has a lot to do and needs plenty of space to store things. The organizing wallet has plenty of pockets for your credit cards, money, receipts, a pen and more. All the pockets zip to close, and you have the option to use it as a wristlet. If you need a coin purse because you?re tired of fishing around in the bottom of your purse, Thirty One has adorable pinch coin purses to hold all of your loose change. You even have the option of what material you want for your Thirty One wallet. You can choose a hard case made of sturdy plastic that has a magnetic closure. The soft wallets that you can find on eBay are made of cotton or canvas. All the wallets have personality and all sorts of fun designs. With so many designs, you may have a hard time choosing which on is your favorite. https://i.pinimg.com/236x/d5/51/fb/d551fb396e1f6e781f84b6d6b54170f0--direct-sales-julie.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. https://i.pinimg.com/originals/f3/61/b6/f361b602c20b2db9b8cc9885257f2d2f.jpg

I absolutely love Thirty-One Gifts! My consultant Jessica (from Sacramento, CA) is an amazing consultant and goes above and beyond to make her customers feel like family! I travel a lot and I am able to take my Away We Go Roller, ZipTop Utility Tote (with deluxe swap it pocket) and my Organizing Shoulder Bag for a 3-4 day trip and carry everything on the plane. I can't believe how organized I can be when traveling. I wish that the Away We Go roller was in the catalog to order as I receive so many compliments on it. My husband loves his Well Suited Garment Tote and it keeps his suit from wrinkling and fits perfectly on my Away We Go Roller for flying. Please keep up the amazing work and I look forward to doing more shopping and hosting a party with the upcoming fall catalog!!!


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/750x/a8/7a/1c/a87a1c5b7b97f99af1e46d8ad700ea12.jpg
As you struggle to fit all of your necessities into your bag, you become frustrated that you have to crush your chips and papers so that everything fits. A Thirty-One Organizing Utility Tote is the roomy solution to your storage needs when you are on the go. It measures approximately 6.5 inches in diameter, 10.25 inches in height, and 15.5 inches in width. There is a version that has an open top and a version with a zipper. The tote without the zipper offers more storage space due to the openness, but the option with the zipper keeps everything better contained, which is an advantage if you carry lots of smaller necessities. If you find that you need a bit more space, the Thirty-One Large Organizing Utility Tote is a terrific alternative. With a diameter of 10 inches, a height of 11.75 inches, and a width of 21.5 inches, this tote is ideal when you need to keep your bulky items safely contained. The reliable sellers on eBay offer a great variety of Thirty-One's gorgeous prints so that you can find one that fits your style. When you have a full agenda for the day, you need to have all of your essentials close by. The Thirty-One Organizing Utility Tote lets you carry everything that you need for your busy day.
The Glamour Case make-up bag is perfect for transporting my make-up and toiletries when I travel. The plastic lined interior protects items outside the zippered case from leaks and the roomy compartment fits everything I deem necessary when traveling. The case also has a zippered compartment for small or potentially messy items as well as a spot to hold my make-up brushes.  This product is shown in Preppy Pop but is available in a variety of colors and patterns and sells for $25, personalization is extra. https://i.pinimg.com/originals/c1/c3/67/c1c3676f7acb451ee038827c9af2bc84.jpg
Thirty-One Gifts is a direct sales company that specializes in functional and fashionable handbags, totes, lunch bags, accessories, home organizational products, and other carryall products. Many of our products can also be personalized! The company was founded by Cindy Monroe, a working mother who enjoyed shopping in boutiques but never had the time to find the items she loved with her busy schedule. She created Thirty-One Gifts as a way to bring the boutique experience home, with the added benefit of giving women the benefit of earning an income from home. The company’s mission is “to celebrate, encourage and reward women through offering quality products and an outstanding opportunity to become successful business owners.” https://i.pinimg.com/236x/82/ae/d8/82aed8fb5a66e2d70e4864ccf56fcf40.jpg

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This thirty-one bag is perfect for a teacher bag! I wasn't sure how I was going to like the open top not having a zipper. I love it! It's extremely handy and has plenty of pockets and room. The side mesh pockets are a great size for any water bottle and a travel coffee mug! My laptop is easy to put in and take out along with my binder. I even throw my purse in it so that I only have one bag to carry to work. It has ample room inside and out. I couldn't be happier with the color and this purchase! Great quality bag! https://i.pinimg.com/originals/7a/5d/17/7a5d176c19672cbaa61f5e34642162a9.png
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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