Cash Stuffing: 10 Budget Categories You Should Definitely Consider

Are you just getting started with cash stuffing, or do you want to make your system smarter and more practical? Then this blog is exactly what you need. Because even if you have the nicest budget binder and envelopes at home, without logical and personalized categories, it's difficult to maintain an overview and see real results.

In this blog post, we share 10 popular and practical categories you can use in your cash stuffing system. Whether you want to save, conserve, or simply get a better handle on your money, these categories will help you lay a solid foundation.

1. Groceries

This category is essential for almost everyone. From your weekly supermarket trip to that quick Saturday afternoon grocery run. By working with cash, you immediately see what you have left and become more aware of your choices.

Tip: work with a fixed amount per week or month, so that you are not tempted to make extra withdrawals.

Use our cash envelopes to store your grocery money in an organized manner.

2. Fuel or transportation

Whether you own a car, take the bus, or cycle daily but occasionally need a public transport pass, transportation costs money. This category prevents surprises at the end of the month. Especially with rising gas prices, it's helpful to build up a buffer.

3. Eating out and coffee to go

A lunch here, a coffee there… it may not seem like much, but all in all, it often adds up. By creating a separate envelope for these kinds of expenses, you give yourself time to enjoy them without breaking your budget.

Make your envelope extra recognizable with our personalized cash envelopes .

4. Personal care

This one is often overlooked, but it definitely belongs in your system. Think shampoo, toothpaste, haircuts, or makeup. Everything that falls under self-care. By keeping these separate, you don't have to constantly dip into your grocery budget for personal care products.

5. Free time and hobbies

Treat yourself to some relaxation. Whether it's a book, a movie night, a museum visit, or a craft project. By budgeting for these things in advance, you'll spend guilt-free and know exactly where your money is going.

Want to combine this with a savings goal? Then check out our savings challenges for hobbies or fun outings.

6. Gifts

Birthdays, holidays, baby showers, thank-yous – gifts are more common than you think. And if you don't plan for them, you'll quickly find yourself struggling with other categories. With a gift envelope, you can easily build up a fund all year round.

Don't forget our Christmas savings challenges , perfect for those who want to plan ahead.

7. Emergency fund

A category you might prefer to skip, but it's incredibly important. Unexpected expenses like a broken washing machine, vet bills, or a fine can throw your entire budget off track. By setting aside a small amount each month for this, you build security.

Start with a few euros a week – small amounts make a big difference in the long run.

8. Clothing

Whether it's seasonal changes, children's clothes, or basics that need replacing, clothing expenses are often irregular, yet recurring. By saving for this, you avoid having to spend a lot in a single month.

With our budget binders in A6 or A7 format, you can always keep your clothing budget at hand.

9. Savings goals

Dreams cost money, but they become achievable if you save for them. Want to go on vacation, buy a new laptop, or save for Christmas? Give each goal its own envelope. Visual work helps you stay motivated.

Our savings challenges make it fun and insightful.

10. Home and household

Think of cleaning supplies, light bulbs, toilet paper, or household chores. These are expenses that are often deducted from grocery spending, but are better kept separate. This way, you stay in control and have an overview.

Combine this envelope with a budget planner to gain insight into your fixed costs.

How many categories do you really need?

You don't have to start with ten envelopes right away. Start small, for example, with the four most important expenses in your life. As you gain more insight into your habits and goals, you can expand.

Everyone is different – choose categories that fit your lifestyle. And above all: stay flexible. If a category isn't working, simply change it.

Ready to get started?

At Vaye Amsterdam, you'll find everything you need to get started with cash stuffing or improve your system. From starter sets and budget planners to personalized envelopes and savings challenges , everything is designed to make your financial goals fun, clear, and achievable.