| Most
People Spend 10% More Than They Make!
You probably know
how much money you made last month, but
do you know how much money you spent? Or
do you know how much money you have left
to spend this month? If you don't you're
not alone, most people have no idea. The
fact is most of us spend 10% more per
month than we make. That comes out to
$431 per month based on the average American
income. No wonder the average credit card
debt is now at $8,500!
So
why is it so difficult to track your spending?
Today we live in a near "cashless"
society. Using debit cards, credit cards,
automatic deposits, and wire transfers we
rarely even see our money. It's easier than
ever to spend, spend, spend!
A
New Way To Manage Your Money
Traditionally, many people managed their
money by dividing their cash into several
paper envelopes. An envelope for food, entertainment,
utilities etc. They then spent their money
from these envelopes. They always knew how
much money they had left to spend, 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. |
Top
Reasons To Use Mvelopes Personal
1.
Recover 10% of your income from hidden spending
By knowing where your money is going and setting
up spending evelopes beforehand, Mvelopes users
have been able to save 10-20% of their income
each month. Mvelopes helps you eliminate hidden
spending from all those little purchase that add
up to more than you think. With better tracking
and forecasting, you can recover that extra 10%
each and every month. Over the year that really
adds up! If you make $40,000/year that's $4,000
dollars you could save and put to better use.
Sande,
Photographer
"I had no idea that I was spending $400
per month on gardening! Mvelopes Personal
has helped me save $350 per month and put
it toward debt reduction." |
2.
Always know how much you have left to spend in
every budget category
Quicken® and MS®
Money both use after-the-fact budget reconciliation.
This means that you don't know how much you have
spent until it's too late. Quicken and Money simply
do not help you manage your spending or teach
you how to effectively use a budget. Mvelopes
Personal provides you critical balance information
for each spending category at all times. You always
know how much money you have left to spend and
how long it has to last, enabling you to make
informed spending decisions.
Stacy,
Cosmetologist
"I love Mvelopes Personal because it
actually sets aside money for upcoming periodic
expenses. All the other "budgeting"
programs we tried were only good for tracking
what we had already spent - not telling us
how much was left to spend from before we
made a purchase." |
3. Automatically track all your purchases
With Mvelopes Personal, you get all your transactions
from all your accounts at once. Mvelopes simultaneously
retrieves all your checking, savings, and credit
card transactions from your financial institutions
at once. You decide which envelope budget category
to assign each transaction to, and you don’t
have to type in any of the information ! Getting
all this information automatically saves you time
and money. No other personal finance program can
do this!
Annette,
Homemaker
"Before Mvelopes, we would discuss purchases
but not know exactly where the money would
come from… Now I feel much more in control
of our money and not controlled by it."
|
4.
Effectively manage credit card spending
Mvelopes Personal’s credit card spending
tracker knows every time you have used a credit
card to make a purchase. It sets aside money from
your spending envelopes into a credit card payment
envelope. This enables you to pay off your purchases
in FULL each month. No more costly finance charges
and interest payments for you!
5.
Quickly eliminate debt
People who use Mvelopes Personal have found that
many of their spending envelopes have money left
over in them at the end of the month. By applying
this money to debt reduction they eliminate debt
at a much faster rate, often in less than half
the time. Once one debt is paid in full, they
roll that amount over into the next debt and continue
to pay them off at an accelerated rate. You too
can eliminate your consumer debt before you know
it using Mvelopes Personal.
Stewart,
Journeyman Electrician
"My wife and I have been using Mvelopes
Personal for over 4 months and have eliminated
ALL of our consumer debt! It has saved us
more than once from impulse buys and unnecessary
finance charges. Once you've used it, you'll
wonder how you ever lived without it."
|
6.
Never miss a payment again
Mvelopes Personal includes a
full-featured
bill pay service
, which helps you easily create and manage payments
online. You will never miss a payment again. You’ll
never have another late fee. Payments can be made
to ANY company or person - up to 20 per month.
Save more than $7.00 in postage alone, not to
mention the time you'll save. It’s so convenient
and easy!
Phillip,
Financial Consultant
“I love online bill pay! It's so much
easier and faster than writing out all those
checks and this way I never have to worry
about whether or not I remembered to write
all the checks down in my registry. Paying
bills takes me so much less time now!” |
7.
Anytime, anywhere online access
The
Mvelopes Personal system is completely ONLINE.
That means you can access your information from
anywhere, at anytime--all you need is an Internet
connection. This allows you to always make informed
spending decisions and always know exactly how
much you have left to spend. It also means no
software to install or yearly upgrade fees.
Jennifer,
Advertising Consultant
“Each fall I like to buy a season pass
for Alta Ski Resort. Since I’ve started
using Mvelopes, it is so much easier now to
pay for it. Rather than having to come up
with the whole amount at once, I set a little
aside each month. Then when September rolls
around, I already have the cash to pick up
my pass. Now I just have to wait for the snow!” |
CLICK HERE TO GET STARTED
TODAY! |
