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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.
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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 fromÖ
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!” |
8. Try Mvelopes free for one
month and see for yourself
You can try the Mvelopes Personal System FREE for one
month. Once you’ve tried the system, we know you will
love it. There is absolutely no risk or obligation!
If you choose to continue using the Mvelopes Personal
system pay as little as $7.40 a month! See competitive
cost comparison .
The Mvelopes Personal monthly service gives
you:
CLICK HERE TO GET STARTED
TODAY!
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