My husband changed jobs over a year ago. He spends more time at home, which the kids and I love, but our income has decreased. We used to have more income than we needed, so we didn't feel like we had to have a strict spending plan. When our income decreased though, we were suddenly both pretty stressed about money.

Suddenly the "guessing" about how much money we spent was catching up with us. Guessing was now making us afraid. What if we were actually spending more than we earned? What if we accidentally ran up a credit card bill?

Mvelopes has helped give us have peace of mind. Now we know how much we are spending at any time in the month. We won't be taken by surprise by a credit card bill. It has also provided us with accountability. Looking at the "numbers" reminds us of our call to be good stewards of what we have and to prioritize.

Cutting back on fast food makes paying for ballet class less of a stretch! Mvelopes also allows us to continue to use the credit cards for most of our expenditures. We started using new cards this year—which we pay off each month—that earn flight miles. Last summer we couldn't afford much of a family vacation. This summer we are on track to have enough rewards miles to purchase plane tickets for us and our children to go on a trip to the West Coast!

My husband and I started our financial journey together last year shortly before we were married. We had both been out of college for less than a year and although we both had good incomes, we were spending most of what we earned. The week after our honeymoon when I returned to work, I found out that I was to be laid off, and was ineligible for unemployment benefits. Suddenly, our income had been cut in half, and we still had wedding bills, student loans, and some miscellaneous medical bills, in addition to the usual monthly expenses.

It was then that God started working in our hearts through the ministries of Crown Financial. We had no budget and were scared to death that we would have to go into debt. But by the grace of God, we still had $28 left in our checking account by the time I received my first paycheck from my new job.

Early this year, we were still struggling to stick to the budget--keeping track of credit card expenses, checks, and cash that we had spent. That's when we found Mvelopes, and it's completely revolutionized our lives. It's so easy to see exactly what we've spent in nearly real time. Mvelopes has allowed us to control our spending to my husband's income alone, and my income is now mostly going to our student loans!

Thanks, Mvelopes. We don't know where we'd be without you.

I recently changed jobs and careers. In Feb of 2006, I quit my engineering job and became a pastor at my local church. Mvelopes helped my family through the transition of almost a 50 percent decrease in income.

Thanks to Mvelopes and careful planning and control of our spending, my family has been able to adjust to the new income without any major pain. More importantly, we are current on all of our bills and are even able to save for vehicle repairs, college, and our own home escrow.

I have not been satisfied with any of the other budgeting programs available or even doing my budget on an excel spreadsheet. But Mvelopes has been a real value to me and really works. I like the envelope system better than any other system of controlling and planning my spending.

As a Pastor, I get to talk to many people about their finances and I often recommend Mvelopes to them and show them how I do mine. They are amazed! Thanks Mvelopes!

Our financial advisor highly recommended Mvelopes to us. We are living on one income right now while I attend law school. With Mvelopes, we have really been able to live within our means—finally! We are able to put some money aside to invest, and we feel less stressed regarding finances. We know exactly where we are spending our money and do not have keep up with receipts and checkbooks!

Mvelopes has not only been a great way for us to get a positive perspective on money, it has lowered our stress level during this financially trying time!

We previously used the paper envelope system for managing our budget. However, following Hurricane Katrina, our budget went totally haywire and paper envelopes didn't work as well as they used to. We were so focused on spending money trying to replace things that we never considered where the money was going to come from.

We had some money in savings and were constantly dipping into it. We knew this spending method had to stop. We tried to start back using paper envelopes but it wasn't as effective because we were constantly relocating for several months and oftentimes did not live in a place where our bank's ATM was located to withdraw the cash needed for our envelopes.

When we started using Mvelopes online, it helped us gain better control of our spending and we were able to access our budget no matter where we were living at that time. Now that we have moved back to New Orleans, we are replacing items as we save up the money and not just replacing items and then paying ourselves back. We are also working towards building back our savings account!