Woman shares binder hack that could stop you overspending

stills from a tiktok showing the budget binder hack

Will you be giving it a go? (Picture: TikTok/@lisawooders)

Effective budgeting is a key skill, so it’s little wonder there’s a wealth of content out there trying to help us master it.

TikTokker lisawooders’ videos documenting the simple binder cash stuffing method of saving has earned her millions of views on the platform.

Think of it as a twist on the envelope cash stuffing method, which has been around for donkey’s years.

Essentially, the principle is that you get a binder with the different files labelled according to your spending preferences and needs for the week ahead.

You stuff those labelled files with cash accordingly, deciding ahead of time how much you want to spend.

When the week/month is over, anything that you’ve not spent can be taken out and sealed up in a separate envelope to either be enjoyed later or added to your savings pot.

Lisa also uses a spreadsheet to track of her weekly savings envelopes.

Lisa shares her binder organising with her 93,000 followers each week, with many praising her organisation skills and saying they’re planning on giving the method a go themselves.

While some people in her comments point out that we’re living in a nigh-on cashless society, so relying on physical money might not be hugely practical, Lisa has referenced her comparatively disorganised card spending in a previous video.

Back in January, she said: ‘I usually take my card, have no concept of the total, just pick up random deals and every week throw loads of food away.

‘It’s completely ludicrous.’

Others pointed out the potential risk of theft, with one person writing on one of Lisa’s recent videos: ‘Just leave it in the bank. Why withdraw it to put it in folders? All that cash in the house.’

You can, of course, take this method digital with the help of online spreadsheets if you’re worried about having cash lying around your house, but for many, the visual/physical elements of the organisation are what helps them track their spending.

If you want more tips and tricks on saving money, as well as chat about cash and alerts on deals and discounts, join our Facebook Group, Money Pot.

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