How to work with budget? 1.Download Budget AND HandWallet Expense Manager 2.Define as many budget envelopes needed. Each envelope represents a monthly budget on a category that we want to track. For example: Envelope of money for budget of restaurants Envelope of money for budget of clothing and so on 3. Whenever you purchase something press the envelope and reduce the relevant amount from the budget. The envelope will always show you how much money you can still spend by the the end of the month without passing the budget limitation.