I just wanted to say thank you for such a wonderful product. I remember my parents used actual envelopes to plan their budget. So naturally I was thrilled when I heard that there was a program out there based on a "real envelopes budgeting system." As my husband and I worked to get it set up we were able to customize the program to meet our needs.

We have been using cash less and less and our debit and credit cards more and more. One thing we didn't realize till I started using Mvelopes was how much money we were spending for the convenience of "plastic." Once we got everything entered in we were shocked at the amount of finance charges we were paying each month.

Just from seeing that part of our finances we were able to prioritize our cards and get rid of those that we didn't need. That, along with seeing where we could cut unnecessary spending, helped us pay off our auto loans two years early; now we are putting our would-be car payments into savings.

My husband I have a feeling of financial control that we didn't have before, now that we are no longer living paycheck-to-paycheck.

Thanks again.

Imagine my shock when our electricity was turned off in August. That is how I found out we had a financial problem. We had five credit card bills and no way to meet the minimum payments. My husband tried to borrow from one bill to pay the next.

A friend of mine told me about Mvelopes. It helped us to not only make a budget, but track our spending. We love it because it updates our budget and even pays the bills electronically. Five months later, we have a budget and have paid off four of the five credit cards. We still have one more to go, but with Mvelopes we can see progress. It gives hope to any budget!

I love Mvelopes because I now know where my money is! Before I started using Mvelopes, I just bought whatever I thought I could afford. After overdrafting on my account 10 times in a single month, I knew something had to change. Mvelopes has helped me to know exactly where my money is and where it is going. It has also helped me curb my spending habits. Now I really know that I can afford something before I buy it.

Thank you Mvelopes for helping me gain control!

When it comes to paying bills, let's just say I'd rather be doing something else for an hour. Yes, it has taken me that long to pay my bills each month. By the time I write each check, including the biller account number on each check, write all the details of the bills in my check book register, mark the bills "paid" and file them, scribble down the mailing address for each biller on the envelopes and place a stamp on them, and then take them to the post office for mailing I've spent at least an hour or more.

Then my son told me about Mvelopes Personal, which includes an online bill pay service. He said I could cut my time down to about 7 minutes to pay all my bills, and save at least $5.00 in postage. Let's just say I was skeptical.

You see, I come from the old school, where you write down and save everything for tracking purposes. And, I'm not very comfortable with the Internet, especially when it comes to my personal finances. It just seemed too risky. He said, "Look Mom, Mvelopes bill pay is backed by the nation's leading bill pay service, CheckFree, which guarantees that your payments will go through, and get there on time. Let's give it a shot." So I went through the easy enrollment process, and then quickly set up all my billers. It wasn't nearly as bad as I thought.

He showed me that the service tracks all the bills that have been sent, and shows me all my upcoming scheduled bills. It can even schedule recurring bills for those bills that I pay each month where the amount doesn't change.

I've been using Mvelopes Bill Pay now for four months, and I can't believe how slick and easy it is. I've saved money, and more importantly my valuable time. Mvelopes hasn't missed one payment, or made even one mistake. It seems I was a little quick to pass judgment. I'll never go back to traditional check writing and paying my bills using snail mail (as my son calls the post office). Thanks Mvelopes Personal!

I'm glad I tried Mvelopes. I find that if I just stop looking at my bank account, and only look at my Mvelopes account, I keep my spending under better control. Mveoples gives me the illusion of not having a lot of extra spending cash because it's allocated to so many envelopes. If I look in my bank account, I always seem to have a lot of money to frivolously spend. Mvelopes helps keep me in check. Thank you.