12 Budget Envelopes Multicolor PackDetailed Instructions are included but here is a quick guide on to use our budgeting envelopes. Take a piece of paper and make two columns, Fixed and Flexible. Fixed Expenses are expenses that dont change month to month(Mortgage, Cell Phone Bill, Utilities, Insurance, etc) Flexible expenses are expenses that change month to month(Dining Out, Food Shopping, Clothing, Personal Care, etc) You will be using our Nadex Budget envelopes for your Flexible