Mvelopes Personal

Mvelopes Personal is an online home budgeting system that helps you look to the future and plan your spending accordingly. With Mvelopes you can easily create an online home budget, track all your spending, and always know exactly how much you have left to spend in every category. Mvelopes gives you access to all your financial information anytime, anywhere. Note: Only available in the U.S. and Canada.

Traditionally, many people managed their money by dividing their cash into several paper envelopes. A family could have one envelope for food, one for entertainment, one for utilities etc. They then spent their money from these envelopes. They always knew how much money they had left, and how long it had to last. Mvelopes Personal is a breakthrough in budgeting and spending management that modernizes this same envelope concept using advanced Internet technology for today's nearly "cashless" spending world.

Are you sure you're spending your money on the right things? Compare your own spending with the national average using the online Mvelopes Budget Calculator.

Do you have more debts than you feel comfortable with? Try the Mvelopes Debt Calculator and get a lot of free tips on how to tackle your situation.

Mvelopes Personal will help you:

Recover 10% of your income from hidden spending
Always know exactly how much you have left to spend
Instantly know the impact of every spending decision
Automatically do all your home budget tracking
Easily pay all your bills online
Effectively manage credit card spending
Create an easy to use household budgeting plan

Mvelopes Personal was recently honored by PC World with a 2006 World Class Award – one of The 100 Best Products of the Year. Every year, 100 products and services are selected for their exemplary design and usability, features, performance, innovation, and price. To make it easy for you to learn more about Mvelopes Personal we have created a quick Flash presentation that you can view online by clicking here.

There is also an electronic version of the budgeting success novel Money For Life-Budgeting Success and Financial Fitness in just 12 weeks. This is a great e-book you can download for free by clicking here.

Do you know how much you spent last month?

Mvelopes Personal components

Complete Online Budget Management Tools

Access all of your financial and budget information at anytime, from anywhere
Automatically retrieve and track all of your transactions
Easily set up a spending plan using envelope spending accounts that are tied to your monthly income
Spend from these envelopes like you would from a checkbook
Always know how much you have left to spend in each envelope and know how long it has to last
Quickly eliminate existing debt by using the debt roll-down method
Successfully use credit cards without increasing debt. Set aside money in advance of spending requirements
Easily save money for unexpected expenses, including emergencies

Automatic Transaction Retrieval

Get all your transactions from all your online banks and credit cards, and see them all in one place, at anytime
Supports all online banks and credit cards
All of your current transactions will be there waiting for you anytime you log in
Never worry about manually tracking your expenses again

Full Featured Online Bill-Pay

Make payments to anybody!
Up to 15 payments/month including postage (save up to $6.00 in postage)
Save time and avoid late fees
Never miss a payment again
Easily set up automatic and recurring payments

Net Worth Tracking

Track IRA's, 401(k), mutual funds, and even your mortgage
Eliminate the hassle of checking each account separately
Summary page allows you to see your complete financial picture in one quick snapshot

Personalized Coaching and Support

Unlimited free telephone support and free personal budget coaching
Never pay to speak to a live support representative again
Mvelopes Community Forum – chat with other Mvelopes members. Get tips and extra information on everything from setting your budget to fixing your credit rating
Member newsletter with tips and tricks as well as useful financial management information on a wide variety of topics.

See how simple it is to manage your money when you can do it all from one place. Try Mvelopes for free for 30 days!