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. |
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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: - 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 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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