Most of the budgeting programs out there do a great job of tracking your money. They supply colorful charts and graphs to help you see where you’re spending money each month. And while tracking is a crucial part of any approach to budgeting, most people need something more if they want to change how they look at and spend money.
Mvelopes' gives you the budget help you need to begin changing your financial future. Our unique approach to budgeting involves the concept of “pre-spending” your income, or planning what to spend your money on before it’s even spent. It’s based on the proven method of envelope budgeting, where income is allocated to different budget envelopes (i.e. food, utilities, etc.) and spent based on what’s available in the budget envelopes. When the money in a given envelope is gone, you’re done spending for that category (unless you take money from a different envelope, in which case you’ll have less to spend for that category).
Mvelopes' modern take on the envelope budget program links all your financial accounts (checking, savings, credit cards, etc.), so you always have real-time information to make informed spending decisions. And it’s all online, so you can forget about your old budget software and the hassle of upgrading to a new version every year. Plus, the anytime, anywhere access means you can be at the grocery store and know exactly how much you have available to spend via your mobile phone. It’s all about having the right information and the right budgeting tools to make smart spending decisions.
Thousands of families and individuals have been able to change their spending habits by using the forward-thinking approach Mvelopes' budget help offers. Changing how you think about money isn’t easy, but after a few months of applying the principles of envelope budget management (and sticking to it!) you’ll be able to get your spending under control and start setting aside money for the future. For the many who’ve had success with Mvelopes, this means getting out of debt, saving more, reducing stress, paying off the mortgage and retiring early. |
