Budgeting Methods · Envelope
Envelope budgeting: visible limits, frequent checks.
55% needs, 35% wants, 10% savings in SmartJib. Suits people who want category caps and frequent spending checks — ideal for cash-heavy Morocco.
Why envelopes work for cash
Each category is an envelope with a cap. When envelope is empty, stop or move money deliberately. In SmartJib, envelopes are needs/wants/savings categories with rollover controls in Pro.
Pair with wallet tracking habit — transfer weekly amount to wallet as practical limit.