- Membership Benefits

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 don't, you're 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 an all time high!

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. It's 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 is a breakthrough in budgeting and spending management that modernizes this same envelope concept using advanced Internet technology for today's nearly "cashless" spending world.

Top Reasons To Use Mvelopes

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 that's $4,000 dollars you could save and put to better use.

Always know how much you have left to spend in every budget category

Most other budgeting software available use after-the-fact budget reconciliation. This means that you don't know how much you have spent until it's too late. These programs simply do not help Mvelopes Success Story

you manage your spending or teach you how to effectively use a budget. Mvelopes provides you critical balance nformation 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.

Automatically track all your purchases

With Mvelopes, 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, or you can setup automatic assignment rule. You don’t have to type in any of the information! Getting all this information automatically saves you time and money.

Effectively manage credit card spending

Mvelopes' 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!

Effectively manage credit card spending

Quickly eliminate debt

People who use Mvelopes 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.

Never miss a payment again

Mvelopes 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 15 per month. Save more than $6.00 in postage alone, not to mention the time you'll save. It’s so convenient and easy!

Anytime, anywhere online and mobile access

The Mvelopes system is completely ONLINE. That means you can access your information from anywhere you have an Internet connection – including from your mobile phone! So whether you’re at home, the office, the mall or the grocery store, you always have your information right at your fingertips. This gives you control to make informed spending decisions and always know exactly how much you have left to spend. There’s no software to install or yearly upgrade fees and no need to sync your information on your computer and mobile phone.

Welcome to Mvelopes