“Each year, I put together a budget and then we tried to stay within it. Yet each month when the Discover Card bill came in, I panicked. How had we spent so much! Fortunately, my husband made a good salary. He receives a small base pay, but the majority of his salary came from bonuses. Because of those bonuses we were able to pay off the credit cards each month and put some away for retirement and college.

We have been using Mvelopes for 10 months now, and not only are we living within my husband's base salary, but I am saving $400 a month for our son's college, and we have also managed to save up enough money to do several home decorating projects. Another plus--instead of spending hours each week entering our expenditures into Microsoft Money, I now just get online a couple times a week and spend minutes.

The only debt we had was our home mortgage; yet Mvelopes made the impossible possible. I no longer cringe when the credit card bill comes in. Paying bills is not only stress free, but with Bill Pay, time free as well. Thank you for Mvelopes for setting me free!    > read full story

“We started using Mvelopes about a year ago and it has TRULY CHANGED OUR LIFE! My husband and I have 5 children under the age of 8, living on one income. Needless to say, money management is VERY important in our house! Until we started using the Mvelopes system, we were constantly overdrawing our checking account and not able to account for where our money had gone. This caused tension between us, and unneeded stress.

Then, we found Mvelopes online, and we started using it. It is so easy to use and understand. I actually look forward to our "budget meetings" now! It has allowed us to tell our money where to go, and not the other way around. We have eliminated $30,000 in debt in just the last year, and we are on a fast track to eliminating all of our debt except for our mortgage by next July. We really don't think we could have accomplished that without Mvelopes.

We have recommended Mvelopes to many of our friends, and we will continue to use it even when we're debt free. Thank you Mvelopes!”    > read full story

“After graduating college my lifestyle quickly inflated to meet, and then exceed my income. I soon bought an expensive new car with little money down and saddled myself with nearly $600/month payments for the next five years. I had planned on paying it off early, but almost a year into the loan and I had barely made a dent in it.

After seeing that I was still over $20,000 in debt, I decided to wise up about my finances and started taking steps to take control. Using Mvelopes and other financial tools, I took control of my budget and put everything extra I had towards paying off my debt. Eight months later, I walked into the bank and put down my last payment

Even more importantly, Mvelopes has helped me continue to take control of my finances even after I became debt free, helping me put my money towards the goals that are important to me. Most recently, that meant buying a diamond engagement ring for my girlfriend without having to go into debt to do so.

Mvelopes has been an excellent tool in helping me take control of my finances, and I recommend it to almost all of my friends     > read full story