Cash Envelope System Wallets for every budget!

Washington, United States · 13530 Sales


Cash Envelope System Wallets for every budget!

Washington, United States 13530 Sales On Etsy since 2011

5 out of 5 stars

Announcement   Our cash envelope system wallets & accessories are made with durable laminated cotton fabric in a variety of prints so you can budget in style. Ditch the envelopes that fall apart and invest in something that will last for years!

Last updated on Apr 19, 2016

Our cash envelope system wallets & accessories are made with durable laminated cotton fabric in a variety of prints so you can budget in style. Ditch the envelopes that fall apart and invest in something that will last for years!

Melissa Kaiserman

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Melissa Kaiserman

for kmlrm
21 of 21 items · View all items


So far I've completed four Divide-It wallet samples in the new fused leather--these and black. Five more to go! Look for the listing next week.
1 of 1 updates · View all updates


Envelope System Wallets that Put the Beauty in Budgeting!

In December 2010, I discovered laminated cotton for the first time and decided to try a tutorial I had found for an envelope system wallet, loving the fact that I could use beautiful designer fabric yet easily wipe it clean. It was my first time ever sewing in a zipper, and I was terrified. When the wallet was finished after hours of work, I breathed a huge sigh of relief that I was done and would never have to make one again. Or so I thought...

When friends saw my wallet and then I shared photos with my blog readers, I had people begging me to make them to sell! Since the tutorial gave permission to do so, I sold them first on a limited basis via my blog until I finally took the Etsy plunge in October 2011.

As of January 2013, I no longer make that particular style of wallet that started me on this journey. All of the items I now sell are my original design and the result of both using my own products and gleaning feedback from others who use them. I am always evaluating ways to improve and add to my product line so that it continues to meet the practical and aesthetic needs of my customers.

Since I am passionate about people living within their means and getting out of debt, I have intentionally designed several envelope systems along a spectrum of price points with the hope that each of my customers can find a product that fits her budget, appeals to her personal taste, and functionally suits her needs. My wallets and accessories are handmade by me using designer laminated cotton which is lightweight yet very durable, CPSIA compliant, and free of BPA, PVC, and phthalates.

I appreciate my customers and welcome any suggestions you might have for product additions or improvements.

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"He has made everything beautiful in its time." Ecclesiastes 3:11a

Shop members
  • Melissa

    Owner, Maker, Designer

    I like to play with pretty fabric and see people get - and stay - out of debt. The products I design & make represent the union of those two passions. I firmly believe living on a budget can be done with joy and style!

  • Dave

    Assistant, Husband Extraordinaire

    Melissa does all of the designing, fabric cutting, and actual sewing, and Dave takes care of the multiple intermediary tasks that she finds tedious. A perfect match!

  • Makery Space

    Education For Etsy Sellers

    I love using my knowledge + experience to help Etsy sellers and other makers with the more left-brained aspects of running a creative business. For practical Etsy tips, help, and tutorials, visit and follow on Periscope @MakerySpace.

Shop policies

Last updated on April 8, 2016

Accepted payment methods

  • Accepts Etsy gift cards
Payment is due immediately. Sales tax will be added to orders placed by Washington state residents.

You will receive a receipt after purchase that includes a note from me at the bottom. Please read it since it contains important details!

Some of the items in the shop are either finished or just a step or two away from being ready to ship; others are made to order. Processing time is noted in the listing's Shipping tab

The "Scheduled to ship by" date is calculated based on the item in your order with the longest turnaround time, does not include weekends, and is found on your Etsy invoice. It can be viewed by logging in to Etsy, going to You (your profile icon on the top right) and then Purchases & Reviews, clicking on the purchase, and scrolling down to Shipping Details.

All items I make weigh under 13 oz. and are sent via First Class Mail unless Priority Mail is chosen at checkout.


It is the buyer's responsibility to make sure the shipping address provided to me is up to date. Each order is shipped to the address shown on the Etsy invoice, so please carefully review your address when given the opportunity during checkout.

If an incorrect address shows on your invoice and you realize it, contact me ASAP. If you used Direct Checkout, I will change the address when I go to print the shipping label. If you paid with PayPal, I will not be covered under their seller protection if I change it, so your order will have to be refunded and repurchased after you change your address in your PayPal account.

Packages returned to me as undeliverable due to an incorrect address on the invoice will be shipped a second time at the buyer's expense. I am not liable for packages that never make their way back to me when the address provided on the invoice is wrong.

Please use your home address or PO box for the address. There can be too many variables (large building, missing suite number, the business not being open, etc.) when a package is addressed to someone at their place of employment. I am not able to replace an order that is scanned as delivered by the USPS but gets misplaced or misdirected within the business and doesn't make it to the intended recipient.


It has become reasonable to expect First Class International packages to take as long as six weeks (and sometimes longer in certain countries) to be delivered, with no way of tracking those packages to many countries. Please be aware of this fact before ordering. If you do place an order, then I humbly ask that you remain patient and not panic regarding non-receipt unless 8 weeks have passed since the date it was mailed. Thank you for understanding that I have no control over any country's customs process or speed at which it delivers packages to their destination.

The buyer is responsible for all customs fees, taxes, and/or duties that may be assessed by her country of residence, so please become familiar with those before purchasing. I am unable to predict what these charges will be, but this site may be of help:

Under no circumstances will I mark "gift" on a customs form, since what I am mailing is merchandise. Even if you are giving it as a gift to someone else, it is not a gift from me, so it does not qualify.

I want to continue making my items available to international customers, and adherence to these policies will help to insure that I do. Thank you!

*Unfortunately, due to prior issues I am no longer able to ship packages to India or Brazil, and I also cannot fulfill orders to Italy since sewn articles of any kind are prohibited. If I receive an order to be shipped to one of these countries, I will have to cancel and refund. Thank you for understanding.*
Refunds and Exchanges
I want you to be satisfied with your purchase from my shop!
{Please read all the way through for complete return/exchange information.}

If it is necessary to send back an item due to a mistake on my part, I will pay the return First Class postage and replace it at my expense. I will inevitably make a mistake from time to time, but I will make it right, so please contact me first rather than going straight to leaving feedback.

If you simply change your mind about your purchase, I will refund the original payment--minus the shipping portion--once I receive the item(s) back in new & unused condition with no stains, flaws, or odors, However, return postage will not be reimbursed.

There are no returns or exchanges of personalized items such as labels or customized items that vary from my typical product offerings unless I have made a mistake in completing the request(s). Sales of digital items are final.

Returns or exchanges must be initiated through an Etsy convo within 7 days of USPS-confirmed delivery of your package, and the item must be placed in the mail within 7 days of receiving my response. Since this time frame adequately allows for when "life happens" there can be no exceptions.

Please do not return an item without first having a conversation with me expressing your reason for initiating the return and receiving instructions regarding my return procedures. Items returned without prior approval will not be refunded or replaced.

Thank you!
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