Area of expertise:  1) Getting savings started  2) Preparing for retirement  3) How to use envelope-style budgeting

"I'm passionate about envelope-style budgeting and have used Mvelopes to build up a six-month emergency fund. I have no debt aside from my mortgage and am able to put 15% of my income towards retirement."

Eric is a Mvelopes guru. He has been the most active forum participant and has helped scores of customers meaningfully apply Mvelopes to their individual circumstances.

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Area of expertise:  1) Getting out of debt  2) Managing finances as a couple  3) Weathering unexpected financial storms

"My husband and I found Mvelopes just as we suffered a crushing and unexpected financial reverse. Mvelopes made it possible to live very frugally for a long period of time while we weathered through that disaster. Thanks to Mvelopes, we never had a check bounce in all that time - a miracle considering the challenge we faced."

Judy is an accomplished editor and author. She also serves actively in her community.

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Area of expertise:  1) Setting up a savings plan  2) Paying off credit card debt

"I think the key to making and keeping a budget is to make it strict enough that you can cover all of your expenses, but flexible enough to not feel roped in by it.

A few years ago, Tish and her husband used a tax refund to fund their Mvelopes spending plan a month in advance.

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Area of expertise:  1) Succeeding when finances are tight  2) Managing and eliminating debt

"I'm just a normal guy--I know what it's like to juggle tight finances and I would say that using Mvelopes during these years is what really made that possible."

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