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.
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/7f/d4/fe/7fd4fef27bdd865ff04f1d7620c86998.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/76/aa/ed/76aaedb660282c49c58f7dcc3921e793.jpg
I LOVE the Around Town Tote. I took this on a trip to the Smokies with me earlier this week and it worked perfectly. This roomy tote stored my laptop, planner, extra pens, chargers and travel brochures. It easily held everything I needed to sneak out of my hotel room and into the hotel lobby to work at night and I love the Skies for You Pebbles color. It is available in four different colors and many personalization options for $78. Personalization is extra. https://i.pinimg.com/236x/ae/dd/69/aedd6982834c25bcb2fa3fc76bdc658f--holiday-decor.jpg?b
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
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/originals/33/a8/e8/33a8e8a541c424db3dd642d00c61bb45.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/82/90/44/829044b983304704ba7fbde9a3749a62--you-think-do-you.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!!! https://i.pinimg.com/originals/96/ec/4e/96ec4ede4ff3ff2b0d38b7c4d0694d41.jpg
Yes, these are all mine. I also have a kelly green one that you’ll see in another photo later in this post. I love this wallet b/c it holds a TON (it can even hold iphones of all sizes) and people often ask me if it’s Kate Spade. I love that it has the same look but at a much cheaper price point. The exterior of these wallets holds up extremely well, too. Oh, and that cork wallet? It has a shimmer in it. Love. https://i.pinimg.com/236x/b2/9b/1a/b29b1a2c340c206ed9f4c63277502acb--shiva-om.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
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/originals/0b/a7/ce/0ba7ceba58f09beeb53c5da81dd7d7c9.jpg
I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++ https://i.pinimg.com/originals/d5/92/63/d5926379604abeee07eb49bc66101449.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/736x/1f/cf/e0/1fcfe0818a487f9821442813352e1c27.jpg

Yes, these are all mine. I also have a kelly green one that you’ll see in another photo later in this post. I love this wallet b/c it holds a TON (it can even hold iphones of all sizes) and people often ask me if it’s Kate Spade. I love that it has the same look but at a much cheaper price point. The exterior of these wallets holds up extremely well, too. Oh, and that cork wallet? It has a shimmer in it. Love.
1. It holds all the essentials and then some. There's a place for a pen to fill out the custom forms, a money pouch, and a pocket for your phone and passport. That money pouch would've been helpful while trying to get JetBlue to rebook my flight since supposedly "cash would've been easier than credit card..." slightly suspicious he wanted me to bribe him. Alas I didn't have cash, so he booked everyone else before me and I ended up spending 2 days at JetBlue terminals trying to get home!
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/474x/60/5e/0e/605e0e7939dd03ca4288d8aeed1b864c--thirty-one-office-thirty-one-bags.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/236x/5c/8f/72/5c8f72da4f90f423e65b8b1ec75578f2--heal-sunburn-pure-romance-products.jpg
I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++ https://i.pinimg.com/236x/f5/ab/a1/f5aba1fa087210801512e6bd757833b2--thirty-one-party-sharpies.jpg
Yes, these are all mine. I also have a kelly green one that you’ll see in another photo later in this post. I love this wallet b/c it holds a TON (it can even hold iphones of all sizes) and people often ask me if it’s Kate Spade. I love that it has the same look but at a much cheaper price point. The exterior of these wallets holds up extremely well, too. Oh, and that cork wallet? It has a shimmer in it. Love.
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!!! https://i.pinimg.com/474x/09/e0/0a/09e00af772d539851da8881f7edecd59.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/280x280_RS/c0/dc/81/c0dc8102131eece8fe3c512af75dcb77.jpg
I originally needed two pairs of work pants. I love cargos since they are loose but fitting, comfy, and have lots of.pockets without the extra added weight. I bought two at Wal-Mart and instantly loved them. Then bought a pair on amazon for about the same price. If you want a pair to wear casually, go for it. They look better than anything old navy has to offer. They are cheaper in price but better in quality as well. Only disappointment is the limited colors. I wanted to buy two pair in navy. One for work one for casual wear.
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
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/236x/e5/e0/37/e5e03738929dfc65e5cb87634edba1de.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!).

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/34/83/06/3483068ca25fa8f9a41abecab6c5da2a--luggage-store-carry-on.jpg


Awesome quality and BEAUTIFUL . Has a nice shine to it but it doesn't make it look cheesy or cheap. It in fact looks like a very exspensive chain. I was worried because it wasn't super pricey and usually you get what ya pay for but my husband loves it and he is hard to please . Not super heavy either which we like . The length is PERFECT! Very very VERY pleased with my purchase https://i.pinimg.com/236x/6b/72/66/6b7266996725873a083109eeb0936da1--kylie-jenner-makeup-products-kylie-jenner-hair.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!!!
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/e7/6e/bd/e76ebd06805e95efd940cde582c49f03.jpg
I just had a party with Monica Nickerson in West Allis, WI. She was the nicest, quickest to respond ...and most helpful women ever! She brought so many fun things to the show and was interested in what we needed. The show was perfect getting us ready for the holidays. I received the order and everything was beautiful! I’ll definitely be hosting again with Monica, she’s delightful and the products are amazing! See More https://i.pinimg.com/345x/4c/1b/7f/4c1b7f0e3dc9b9a4de53dbfcb4b3f621.jpg
Awesome quality and BEAUTIFUL . Has a nice shine to it but it doesn't make it look cheesy or cheap. It in fact looks like a very exspensive chain. I was worried because it wasn't super pricey and usually you get what ya pay for but my husband loves it and he is hard to please . Not super heavy either which we like . The length is PERFECT! Very very VERY pleased with my purchase https://i.pinimg.com/236x/36/99/25/36992526c35d56e1a5830712018e6994--be-you-thank-you-for.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/236x/14/ff/58/14ff58589d56c09abe730b6de032129b--younique-party-games-younique-presenter.jpg?b
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/474x/fe/92/03/fe9203685ce0d9d955156a86f380ac08--new-nurse-gifts-for-nurses.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/e7/6e/bd/e76ebd06805e95efd940cde582c49f03.jpg
I just received my purse today and am so pleased! It just wanted. It has met my expectations and more! My old purse is the black one; the new purse is the brown one. The new one is much better. It hold my iPhone 8 Plus easily and has more space for cards and such. Plus, I like that it holds a pen (I am always scrambling for a pen) and a passport, checkbook, money or whatever extra little items you have. I give an A++ https://i.pinimg.com/474x/0b/57/ac/0b57ac2cd0d24f7bdc4ab5e1799311d1--beauty-makeover-younique-make-up.jpg?b
This small but sturdy tote bag still has plenty of room for all the big jobs in your life! With all the function of our popular Large Utility Tote, the Small Utility Tote is the perfect on-the-go storage solution for camping, carrying snacks to the beach or pool and more. Use it as a gym bag, toy storage, trunk storage, teacher tote or a picnic basket for your next family outing. https://i.pinimg.com/236x/e6/1c/2d/e61c2d3c638167b21df2778fb5550197--thirty-one-party-thirty-one-bags.jpg
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