I have tried several finance programs for many years and liked some features in them and some in others. Mvelopes has combined the good of all and made it extremely easy to use. At one glance I am able to know my net worth, or see bills payable, along with the amounts, AND with the click of a button, pay them!

The automatic account downloads make it so easy to place money in envelopes, so my budget is always up-to-date with very little effort. The integration with my credit card leaves no room for "surprises" at the end of the month when I get the bill in the mail. I can even pay it automatically as soon as funds are available! How great is that!

The continual program and feature updates are well worth the amount of money spent in membership! You have a customer for life!

My wife and I have always budgeted for our monthly expenses. At least we thought had. I earn a very good income, but with three children, it still never seemed to stretch far enough. I have used Microsoft Money now for a number of years but still struggled to pay the bills each month.

All that has changed now with Mvelopes. I have been using Mvelopes now for two months, and in that short period of time have not only been able to pay the bills comfortably each month, but now have a surplus accumulating in my account.

It is so simple to use, and I was pleasantly surprised that I could download my transactions from the bank, even though I'm in Australia! Its not until you use Mvelopes that you realize that even though you have been going through the motions with other programs, you are not really managing your budget. I highly recommend Mvelopes to everyone.

Dear Mvelopes Guys,

I am a hardcore budgeter. I started budgeting in grade school with my $2 allowance, placing change in three separate box compartments representing different categories. In junior high I graduated to the green ledger with more categories. Another budgeting milestone came for me in college, when I discovered Microsoft Excel and learned some tricks to help make my budget error free.

My "envelope" style of budgeting has always allowed me to save, but as my life has become more complex, so has my budget. More categories, more accounts, and more purchases have meant more time devoted to budgeting. Last year it got to a point where I devoted one to two full days per month to work on my budget.

I got fed up, and began my search. I spent over six weeks looking for a software budgeting solution that could make my life easier. I tried Microsoft Money, Intuit's Quicken and many other products, yet none of them helped me manage my money the right way.

Then I finally found and enrolled in the Mvelopes free trial. You did it! I have been with you for six months, and your program has helped me spend more of my valuable time with my family, instead of thinking about money. I am saving even more money now, and budgeting has never been easier. Thanks for making budgeting simple and less time-consuming without sacrificing the accuracy!

I have been using Mvelopes for a very long time and it is the only budget method that has worked for my family. We tried other financial programs and they didn't help us look toward the future; they just looked back at what we had already spent.

With Mvelopes we are able to keep our money and spending completely organized. We were able to pay off my husband's medial school bills much sooner than we had planned. And we are able to keep our spending in check so we know exactly what we can spend. We look at our budget to see what we can afford, instead of just looking at everyone else and trying to "keep up with the Joneses." We would recommend this program to any of our family or friends.

I have used quite a few budgeting techniques in the past, but they were very cumbersome because they were either too manual or required too much software know-how. Mvelopes has a great blend of flexibility and capabilities, but remains true to the primary purpose of budgeting, letting you really know where you stand (not just what your back account register states).

I started using Mvelopes approximately two years ago and I have seen it go through some changes—all for the better! But the best change has been that after being single my entire 32 years on this earth I finally got married to a wonderful woman; she now loves Mvelopes as much as I do. It has been a joy to watch her grow in her understanding and appreciation of Mvelopes, because it has helped diffuse the contentious issue of finances and made it a source of excitement for both of us as we see the value in setting aside money for the unknowns of life.

My wife and I both have prior experiences of times in our financial life where we didn't budget appropriately and felt the anxiety and pressure that goes along with that. Mvelopes provides a convenient method to consistently monitor and adjust our budget, thereby allowing us to work as a team. My wife now uses Mvelopes even more often than I, and she looks forward to every pay day where she can watch the budget categories increase and see our planning pay off.

Thank you Mvelopes for letting us more easily build critical margin into our lives; our marriage thanks you.