Spreadsheet

http://spreadsheets.google.com/pub?key=pU9IrL_HTuq4UgiDBE-TaFA

Here is an allocated spending plan for a zero balance budget, Just put in your paycheck amounts in the top, and any beginning balance. In the first slot for allotted amount, put in your budgeted amount for that category or "envelope" and then in the greyed area you can put your purchases. It will then tell you how much is remaining in that envelope and show in red if you've gone over. You can change the categories as needed, then feel free to save a copy to your desktop.