My wife and I have always had trouble budgeting, and our finances have always been an issue that keeps my wife awake at night. We have tried budgeting many times with different programs. Most programs just help you to categorize your money with no help in keeping track of where your money should be going. We actually tried manual envelope budgeting but dealing with all the cash just wasn't working for us. After being guided to Crown Ministries through a friend at church we found Mvelopes. After just a few months of use, Mvelopes has helped us to finally stick to a budget. It is so simple to use and you can easily see where all your money is. We have started tithing and applying more of our money toward paying down our debt instead of losing track of it and overspending. My wife can finally sleep better at night.

We've been using Mvelopes for about 4 months now and it has really streamlined our budgeting and bill paying process. Instead of bills being late or unexpected we're now on time every month and we know what's coming up so we can plan for it. I've also been able to save over $3,000 because we know where the money is going before it's spent, and we know when to stop spending money. It's GREAT!!

My fiancée and I were transitioning from a life as students to the working world. Our total income had increased dramatically, but we started arguing about money (before there was none to argue about). It was too hard to track what was going on and both of us just wanted to make sure the other was not paying more than their fair share; not as easy as it sounds when one makes three times as much as the other.

Mvelopes helped us create "pots" of money that we could both donate to and pull money from, and other pots that were to be used by the individual. In two years we are consumer debt free, we save at a 25 percent-plus rate for retirement (while in our 20's), and at the same time feel free to enjoy our money. Best of all, we have never had an argument about money again; we just both build toward common goals and can see how we are doing.

Mvelopes has increased the balance of my checking account by 20 times! I can now actually save money. Mvelopes has given me an instant, more tangible way to see my budget. It's the first budgeting plan that works with my online bill pay and debit card use. I love it!

As a user of Mvelopes since September of 2005, our family's financial situation has drastically improved. Since that time I have accrued $3,000 in savings, I paid off our auto finance loan in April of 2006, and will eliminate a credit card debt of $2,000 by the end of 2006. I pay off all credit card balances each month through Mvelopes Bill Pay. All other bills are more easily paid through Mvelopes Bill Pay as well.

I'm so glad that I decided to use Mvelopes because it has helped our financial situation so much. We have more control of our money and know much better where our money is being spent. I now have a workable spending plan that gives me freedom as opposed to restriction financially. It has been a real blessing for my family and me. I will continue to use Mvelopes and enjoy the benefits it affords us financially.