ProActive Budget by
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If you know me, then you know that I’m a huge proponent of cash envelopes. I first started using them over 8 years ago when I knew that I was overspending on makeup, home decor, and food. But it wasn’t until I got serious about my budget that I truly implemented cash envelopes into my life. And let me tell you that I was amazed at the difference they made!

Cash envelopes helped me learn how to control my spending, stick to my budget, and see how much I was spending. However, I’m fully aware that cash envelopes aren’t for everyone. One size doesn’t fit all, and cash envelopes are just the same. So if cash envelopes just aren’t your thing, don’t worry! The creators at ProActive Budget have you covered!

What is ProActive?

Proactive is an online bank where you deposit your spending money into an account after you get paid. Within that account, you set up categories (or envelopes) to distribute your money to. For instance, if you deposit $500 into your account, you can set up categories such as groceries, spending money, and clothing. Then, distribute your money into those accounts based on your budget. I might send $250 to groceries, $100 to spending money, and $150 to clothes.

Once you’re ready to spend your money, you’ll log into the app, select the category you want to spend from, and hit “spend.” The amount that you choose is sent to your debit card and ready to use! After you spend it, the money is deducted from that category. This way you can see how much you have left in each budget category that you set up.

5 Reasons You Should Be Using ProActive

1. ProActive is just like cash envelopes without the envelopes!

If you’re not a fan of carrying around cash, then you’ll definitely want to look into ProActive as an option. I totally get it! I’ll never forget the first time I pulled out $800 in cash for my first set of cash envelopes. As I was walking out of the bank, I felt like everyone knew that I had almost $1,000 on me!

It took time to get used to pulling out hundreds of dollars in cash each month! Using ProActive has the same effect of carrying envelopes, you’ll just be carrying a debit card instead. Plus, there’s no way you’ll ever leave it at home on accident.ProActive

2. ProActive holds you accountable to your budget!

Time and time again I hear the same thing….”I struggle with sticking to my budget!” Listen, I get it! Sticking to a budget is no easy task. Especially when every store and ad around you is telling you to spend all your money! Don’t even get me started on learning how to say “no” when you are invited out to events or activities that you can’t quite afford.

Thankfully, ProActive is here to teach you how to actually stick to your budget! It’s a system that will help hold you accountable and truly know where you are spending the money that seems to magically disappear month in and month out. As long as you set up your categories, you’ll always know how much money you have left to spend until your next payday. And because you have to move the money onto the debit card yourself, it helps lessen any impulse spending that you might have as you walk through the aisles of Target.ProActive

3. ProActive works both for you and your partner!

One of the most frequent questions I receive about cash envelopes is how we make it work as a couple.  If your partner has the envelope, but you need it, what do you do? A lot of times people will be running by the grocery store on the way home and didn’t grab the envelope that morning before they left. This can be frustrating and make it easy to abandon cash envelopes altogether. 

ProActive is perfect for couples who want to truly work on their spending together. Thankfully, ProActive offers companion cards so that two spouses can both have their own debit card to spend on. Both cards are linked to the same account and you’ll no longer need to bother the other person about where they left the grocery envelope! 

4. You can get a card for your kids!

As a parent, I know just how important it is to teach your kids how to budget and spend money wisely. As a teacher, I know how overlooked this concept is in school! Budgeting and smart financial habits ultimately need to be taught at home. Unfortunately, many parents send their kids off to college or into the real world with very little knowledge on how to save and live on less than they make. 

ProActive makes it easy to teach teenagers how to separate their income into categories and spend wisely. Teens truly learn how to budget and can visually see where they are sending their money. ProActive also has restrictions that can be put in place on the kids’ card!

ProActive Budget

5. ProActive makes tracking your spending easy!

I’m a visual person, so I love the fact that ProActive makes it super easy to see how much money you have left in each category that you set up. Instead of having to count out the money in your envelope, you can quickly glance at your app to know what you have left in each category. And of course, you can transfer money to and from separate categories in case you go over budget in one area. 

The more you know about your finances, the easier it will be to budget better than you ever thought possible. It’s important to know where every penny you spend is headed. ProActive makes that easy to do!ProActive

Is it worth the cost?

ProActive currently costs $5.75 each month ($69 each year). That’s the same as one trip to Starbucks each month! It’s even less than one meal at Chick-fil-a. The more you use ProActive, the more likely you are to develop better financial habits! To be perfectly honest, ProActive can help save you hundreds, if not thousands each year. 

I don’t know about you, but when my husband and I are on the same page with money, we tend to argue less and communicate better! Each partner will be on the same page about money and can always check to see how much is left in all the categories on ProActive. And I don’t know about you, but I’m totally willing to put systems in place that will help my husband and I communicate better!

How to sign up!

Are you ready to implement a digital cash envelope system that is easy to use and will help you stick to your budget? Great! Click HERE to sign up and receive a 5% discount! I can’t wait to hear how ProActive helps you take your cash envelopes to the next level!

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