Budgeting Software Review

Most People Spend 10% More Than They Make! You probably know how much money you made last month, but do you know how much money you spent? Or do you know how much money you have left to spend this month? If you dont youre not alone, most people have no idea. The fact is most of us spend 10% more per month than we make. That comes out to $431 per month based on the average American income. No wonder the average credit card debt is now at $8,500! So why is it so difficult to track your spending? Today we live in a near cashless society. Using debit cards, credit cards, automatic deposits, and wire transfers we rarely even see our money. Its easier than ever to spend, spend, spend! A New Way To Manage Your Money Traditionally, many people managed their money by dividing their cash into several paper envelopes. An envelope for food, entertainment, utilities etc. They then spent their money from these envelopes. They always knew how much money they had left to spend, and how long it had to last. Mvelopes Personal is a breakthrough in budgeting and spending management that modernizes this same envelope concept using advanced Internet technology for todays nearly cashless spending world.

Top Reasons To Use Mvelopes Personal

1. Recover 10% of your income from hidden spending
By knowing where your money is going and setting up spending evelopes beforehand, Mvelopes users have been able to save 10-20% of their income each month. Mvelopes helps you eliminate hidden spending from all those little purchase that add up to more than you think. With better tracking and forecasting, you can recover that extra 10% each and every month. Over the year that really adds up! If you make $40,000/year thats $4,000 dollars you could save and put to better use.

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 dont know how much you have spent until its too late. Quicken and Money simply do not help you manage your spending or teach you how to effectively use a budget. Mvelopes Personal provides you critical balance information for each spending category at all times. You always know how much money you have left to spend and how long it has to last, enabling you to make informed spending decisions.

3. Automatically track all your purchases
With Mvelopes Personal, you get all your transactions from all your accounts at once. Mvelopes simultaneously retrieves all your checking, savings, and credit card transactions from your financial institutions at once. You decide which envelope budget category to assign each transaction to, and you don’t have to type in any of the information ! Getting all this information automatically saves you time and money. No other personal finance program can do this!

4. Effectively manage credit card spending
Mvelopes Personal’s 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. No more costly finance charges and interest payments for you!

5. Quickly eliminate debt
People who use Mvelopes Personal have found that many of their spending envelopes have money left over in them at the end of the month. By applying this money to debt reduction they eliminate debt at a much faster rate, often in less than half the time. Once one debt is paid in full, they roll that amount over into the next debt and continue to pay them off at an accelerated rate. You too can eliminate your consumer debt before you know it using Mvelopes Personal.

6. Never miss a payment again
Mvelopes Personal includes a full-featured bill pay service , which helps you easily create and manage payments online. You will never miss a payment again. You’ll never have another late fee. Payments can be made to ANY company or person - up to 20 per month. Save more than $7.00 in postage alone, not to mention the time youll save. It’s so convenient and easy!

7. Anytime, anywhere online access
The Mvelopes Personal system is completely ONLINE. That means you can access your information from anywhere, at anytime--all you need is an Internet connection. This allows you to always make informed spending decisions and always know exactly how much you have left to spend. It also means no software to install or yearly upgrade fees.

8. Try Mvelopes free for one month and see for yourself
You can try the Mvelopes Personal System FREE for one month. Once you’ve tried the system, we know you will love it. There is absolutely no risk or obligation! If you choose to continue using the Mvelopes Personal system pay as little as $9.95 a month, and of course you may cancel at any time, there are no contracts. See competitive cost comparison .

The Mvelopes Personal monthly service gives you:

• Complete Online Spending Management System Instant access to your spending plan and all of your financial information anytime, anywhere. Everything you need to successfully manage your finances.
• Automatic Transaction Retrieval Retrieve 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™, Portfolio Account Aggregation . Track your investments, mortgage, car loans, loyalty programs, e-mail accounts and more - all in one summarized page view.
• Personalized Coaching and Support . Never pay to speak to a customer support representative again, plus get free budget coaching.

CLICK HERE TO GET STARTED TODAY!