By now many of you have heard of Dave Ramsey and the Total Money Makeover, if you haven't check it out HERE   Well, I have not taken the class but I have decided to try the envelope system that he talks about.  Of course I can not have plain ol' fuddy duddy envelopes so I created some fancy schmancy ones of my own using a template found HERE and printing it on Close to my Heart paper.  I chose to use an older paper pack that I have been wanting to use up called Emporium.  The great thing about our paper packs is that they coordinate so well together that it was a cinch to whip these up.  Here are the steps that I did: Choose paper pack and cut down to 8 1/2 x 11. Using template print out onto paper. Cut out template and using Tombow adhesive adhere bottom and side flaps. Print out labels from same site and punch out with 1 1/4" punch. (I printed mine out on Avery sticky label paper to save time) Adhere to 1 3/8" punched scallop circle (or use Cricut...