Envelope Budgeting vs. Financial Forecasting Goodbudget has a loyal following, and it's easy to see why. It takes the envelope budgeting method — the old-school system where you divvy up cash into labeled envelopes — and puts it on your phone. It's simple, it's tangible, and if you've ever struggled with overspending, the concept of "when the envelope is empty, you're done" is powerful. But the envelope method has limits. It tells you how much is left in each category right n