I have found that Mvelopes has paid for itself nearly every month by helping me avoid financial fees. Because I update Mvelopes frequently, I see early warnings of bank or credit card fees.

The other day I logged in and saw an $8 fee in my checking account. I immediately called the bank and resolved the issue; I had recently changed my checking account to direct deposit but the bank was charging me for a different account type They reversed the fee and marked the account to prevent future fees.

I've found time and again that I've saved the monthly Mvelopes subscription in cost-avoidance. And that is just the start. With increased visibility to all my accounts, I've transferred money more quickly to my Money Market account and earned higher interest on more of my money. Even before I count the benefits in increased savings and better financial planning, I've already saved the membership cost with quicker responses and better visibility to otherwise hidden charges.

Before my husband and I had kids, I would spend hours balancing our bank accounts and budgeting using a pen and notebook. It was a painful but workable method of keeping track of our money.

Needless to say, when the kids came along, it all fell apart, along with our income sources. After many years of "survival" tactics (in more than just the money sense), we finally found a simple and effective solution - hooray! Finally a REAL TIME money management system!

It is SO EASY to manage our money now! We both feel a huge weight lifted off our shoulders, and that's a big deal these days. Until we found Mvelopes it felt like we were taking two steps forward and then two steps back, never getting any financial traction.

We now are able to save for future expenses and pay for things outright instead of going further into debt. Another huge benefit is that we are able to stay one month ahead of our monthly bills. Most of all, our financial goals now seem reachable. Thank you for the peace of mind. Keep up the good work.

We began using Mvelopes in 2005 after many, many failed attempts at budgeting. We knew we were making plenty of money to cover expenses. We did not think we were living an extravagant lifestyle. We drove old cards, went on really, really cheap vacations, and never ever splurged on the big-ticket items that most of our neighbors had. No plasma TV, no SUV, no house in the mountains. Why then were we in the red at the bank every single month after the bills were paid? We had a negative cash flow, but we did not know why or how to stop it. Each month we sank further and further into debt.

Enter Mvelopes. We created a spending plan based on our income. We found we were right—we did have enough money to cover expenses. What we hadn't realized was how quickly the ‘little things' add up and break the bank—little things like eating out, buying CDs, and paying for activities for three active children.

Mvelopes helped us see with crystal clarity how much we could actually afford to spend on these (and other) things. We still do ALL of them, but at a level that is within our means. We have gone from being in the red every month to having a bank balance that rarely goes below $1000 and is usually much higher, in addition to a healthy and growing savings account.

Where we used to always, always dip into credit when there was an expensive car or home repair bill, we now have the money set aside for these things. It's right there in our spending plan!

We are on our second Christmas on no credit! We are using money we have put into our "Holiday" envelope throughout the year.

Thank you Mvelopes! You have turned our lives around!

For most of my life, my finances were a war zone. My problem wasn't extravagance, but one of financial neglect and a thousand quiet monetary deaths. You see, late fees were the norm for me, I'd often get utilities shut off (not for lack of money, but lack of attention, resulting in even more fees) and whatever was left over after mindless spending went to "emergencies."

For me, a checkbook register made handy scratch paper (when I could find my checkbook), bank statements were another form of junk mail and standing at the ATM was like playing "Wheel of Fortune"; sometimes big money, sometimes bankrupt. Salary raises seemed to disappear with nothing to show for it.

With a new job and larger income, I desperately wanted change and needed a battle plan to get there. After some searching online, I discovered Mvelopes Personal and it became my most trusted General in my financial assault. In the first month, I weeded out over $100 per month in "stupid" spending, and for the first time, knew where I stood financially on a day-to-day basis.

I set up all of my regular bills on Mvelopes Bill Pay and with much needed email reminders! I planned on a $1,000 "Oh NO!" fund for any emergency and reached it by the end of my second month. I'm now finishing out my third month and to date, not only have all bills been paid on time, they're all paid three to four days in advance! For the first time in my life, I paid my credit card bill in FULL and ON TIME with the "Money for CC" envelope, and enjoyed a feeling of freedom and accomplishment I'd never known before.

The battle is just begun, but I already know how the campaign will end and who the victor will be. As I write this, I just got my car back from the mechanic after a $685 unexpected repair and with only $43 in the Auto Maintainence envelope. But no worry! I plundered some of my "discretionary spending" envelopes and came up with a total of $683.01—all without even touching my $1,000 emergency fund. I paid the mechanic without a twinge of hesitation and even came home to schedule some bills on Bill Pay for early payment! How insane is that?

It's like being a new person financially. I'm starting small, but I can't wait to see my financial portrait one year from now. Thank you Mvelopes for taking the frontline in my battle for financial freedom.

Mvelopes has helped us finally avoid overspending our money! Before we would just subtract as we went along, but with money being tight, we would often end up in trouble. We now put a lot more thought into how we spend, and it's fun to decide where each dollar should go. I feel a lot more in control.