Most People Spend 10% More Than They Make

You probably know how much money you made last month, but do you know how much you spent? What about this month? Do you know how much money you have left to spend, and on what? If you don't, you're not alone. The fact is, most of us spend 10% more than we make. No wonder credit card debt is at an all time high. Plus, using debit cards, credit cards, automatic deposits, and online payments we rarely even see our money. It's easier than ever to spend, spend, spend! And try tracking all those ways of spending. It’s almost impossible. So what’s the solution? Mvelopes Personal.

Why Mvelopes Personal?

Mvelopes Personal is a remarkable new spending management system that actually tracks your spending as it happens. It’s a modern version of the traditional envelope based system. Mvelopes provides daily balance information for each of your spending categories, or envelopes, so that you always know how much money you have left to spend, and also, how long it has to last. This enables you to make better spending decisions and stick to your budget plan. It really works. With Mvelopes Personal you can begin to manage your spending, and lay the foundation for reaching your financial goals.


How does Mvelopes Personal Work?

Step 1 » Create a spending plan with unlimited spending accounts called envelopes
Step 2 » Assign an amount of your income to each envelope
Step 3 » Begin spending from your envelopes. Mvelopes tracks your spending as it happens.
Step 4 » Automatically retrieve all your transactions at once from all your bank, credit union and credit card accounts, including bill pay, with the simple touch of a button.
Step 5 »

Assign your transactions to the envelope of your choice. The balance is automatically updated. Mvelopes also rolls your balances over from one month to the next.

Top Reasons To Use Mvelopes Personal

1. Recover 10% of your income from hidden spending
Mvelopes users have found that once they know where they're spending their money, they end up saving 10-20% of their income. If you make $40,000/year that's $4,000 dollars you could save using Mvelopes Personal. See a comparison

Sande, Photographer
"I had no idea that I was spending $400 per month on gardening! Mvelopes Personal has helped me save $350 per month and put it toward debt reduction."

2. Always know how much you have left to spend in every budget category
Quicken® and MS® Money both use after-the-fact budget reconciliation. This means that you don't know how much you have spent until it's too late. Quicken and Money simply do not help you manage your spending or effectively use a budget.Mvelopes Personal provides you critical balance information for each spending category at all times. You always know how much you have left to spend.

Stacy, Cosmetologist
"I love Mvelopes Personal because it actually sets aside money for upcoming periodic expenses. All the other "budgeting" programs we tried were only good for tracking what we had already spent - not telling us how much was left to spend from before we made a purchase."

3. Automatically track all your purchases
With Mvelopes Personal, you get all your transactions from all your financial institutions at once. Smart Link, the transaction download service, simultaneously connects to all your financial institutions and retrieves all your checking, savings, and credit card transactions at once, and then posts them into Mvelopes Personal. Getting all this information in one easy step saves you time and money. No other personal finance program can do this!

Annette, Homemaker
"Before Mvelopes, we would discuss purchases but not know exactly where the money would come from… Now I feel much more in control of our money and not controlled by it."

4. Effectively manage credit card spending
Mvelopes Personal's patent pending credit card spending tracker knows every time you have used a credit card to make a purchase. It sets aside money from your spending envelopes into a credit card payment envelope. This enables you to pay off your purchases in FULL each month.

5. Quickly eliminate debt
People who use Mvelopes Personal have found that many of their spending Mvelopes have money left over in them at the end of the month. Instead of spending this, they apply the total amount toward debt reduction. Once one bill is paid they then roll the amount of that debt into the next debt to pay it off even faster.

Stewart, Journeyman Electrician
"My wife and I have been using Mvelopes Personal for over 4 months and have eliminated ALL of our consumer debt! It has saved us more than once from impulse buys and unnecessary finance charges. Once you've used it, you'll wonder how you ever lived without it."

6. Never miss a payment again
Mvelopes Personal includes a full-featured bill pay service, which helps you easily create and manage payments online. Never miss a payment again. Make payments to ANY company or person - up to 20 per month - and save more than $7.00 in postage alone, not to mention the time you'll save.

7. Get a FREE starter pack and one month's Free service
For a limited time you can try the Mvelopes Personal System FREE for one month. There's absolutely no risk! If you choose to continue using the Mvelopes Personal system it's just $12.95 a month, and you may cancel at any time - no contracts. See competitive cost comparison.
The Mvelopes Personal monthly service gives you:

Get Started Today!
For a limited time, get the Mvelopes Personal Setup CD and your first month's service absolutely FREE (just $6.90 shipping and handling).