Most
People Spend 10% More Than They Make- Mvelopes
Mvelopes
Personal is
an online budgeting system that makes it easy to create
an effective personal budget and track every aspect
of your spending as it happens, providing you critical
information to make better spending decisions wherever
you go.
Mvelopes ask's- 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
with mVelopes
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 Mvelopes 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:
- Complete
Spending Management Tools for your PC and Palm OS
handheld, plus unlimited FREE upgrades.
- SmartLink™,
Transaction Download Service, which gives you
all your transactions from all
your online financial institutions and credit cards, at
once.
- Full-featured
Bill Pay Service up to 20 payments/month including
postage.
- Mportfolio™,
Financial Management Service. Track your investments,
mortgage, car loans, loyalty programs, e-mail accounts and
more - all in one summarized page view.
- Free
Support and Coaching Service. Never pay to speak
to a customer support representative again, plus get free
budget coaching.
| Get
Started with Mvelopes 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).
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