Manage Your Budget in a Whole New Way!
Mvelopes' personal, proactive approach to spending management is different from any other program, and was honored by PC World with a 2006 World Class Award, one of The 100 Best Products of the Year.The 100 winning products and services were selected for their exemplary design and usability, features, performance, innovation, and price. Mvelopes Personal is the integration of the following tools, which enable you to:
Online Budget Tracking and Spending Management Tools
Mvelopes Personal is the simple, smarter online budgeting tool. Open your Mvelopes Personal Membership and gain control of your finances! Mvelopes will walk you through the set up process where you put together your spending plan and in just a few minutes you are well on your way to financial fitness.The real advantage of Mvelopes Personal is that the system is ALL 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.
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Automatic Transaction Retrieval
Mvelopes Personal automatically retrieves all your spending and deposit transactions ‹ from your bank, credit union, or credit card company ‹ bringing all your transactions into one place for you to see.Mvelopes supports every financial institution with online account access. No other budgeting solution offers this complete solution. You can add as many financial institutions as you like ‹ there's no limit. You can log in as often as you like, and never manually record a bank or credit card transaction again. Imagine the time you will save!
Save Time & Postage...Pay Bills Online!
Online bill pay service is included in the Mvelopes Online Budgeting System ‹ no more writing checks, licking stamps, or going to the post office. Bill Pay payments can be made manually, set up for automatic payment each month, or even made with the arrival of an electronic bill. The service allows you up to 15 payments each month, which could save you close to $6.00 each month in postage alone. Bill Pay payments can be made to any company, store, financial institution, utility company, or individual ‹ eliminating missed payments and late fees.Mvelopes Bill Pay Service allows you to:
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Net Worth Tracking
Consolidate Online Financial Accounts with Net Worth Tracking. Track all of your investments so that you can see the big picture ‹ all from one summary page. Customize your Net Worth Summary to access and track all of your investment accounts ‹ such as IRAs, 401(k), stocks, mutual funds, and even your mortgage.This summary page allows you to see your complete financial picture in one quick snapshot. It's an easy way to check up on your progress towards financial fitness. And should you want to make a change to one of your accounts ‹ simply click on the link and go straight to that site.
Getting financially fit has never been easier!
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Receive Unlimited Budget Coaching and Customer Support
Included with your Mvelopes online membership is unlimited telephone support and coaching, as well as access to our message boards, FAQs, tutorials, and email support. Members also receive a monthly online newsletter that provides tips for using Mvelopes and other useful financial fitness.Supporting you, the customer, is our most important goal. If you are successful, we are successful. Our coaching service was established to help answer your specific questions on budgeting, and to make sure you take advantage of all the features Mvelopes Personal has to offer. With our unlimited support you never have to worry about the number of times you call us or the length of your call. That's what we're here for.
With Mvelopes Personal you have quick and easy access to:
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How Does Mvelopes Compare to Quicken or Microsoft Money?
Mvelopes Personal has many features that are simply not available in any other personal finance system. Features like anytime, anywhere access, automatic transaction retrieval from 9903 supported institutions, and many other unique features that really make Mvelopes stand out.The Mvelopes® Personal Difference
In a recent informal study, former Quicken users discussed why they made the switch to Mvelopes Personal, and what keeps them using the online spending management service. ( Click here to read the full report).
"There were four recurring themes that we kept hearing," said Brian Howell, senior product manager for Mvelopes Personal. "Almost every respondent cited the proactive and forward-thinking approach of Mvelopes' cash allocation method of budgeting as a key factor in their decision to switch to and keep using Mvelopes. Simplicity or ease of use, accessibility and price were also cited as key factors."
Approaches to Budgeting in Quicken and Mvelopes
Both Quicken and Mvelopes are designed to simplify the process of managing one's personal finances, but the programs differ in how they track and categorize expenses, according to the former Quicken users who have switched to Mvelopes.
"Quicken, and pretty much everything else out there, is about tracking spending after the fact," stated Pete, who made the switch to Mvelopes in 2003. "Mvelopes is about allocating your money and planning your spending before the fact. That's what brought me to Mvelopes and what keeps me here."
Quicken's after-the-fact approach focuses on comparing actual spending to budgeted amounts at the end of the month, which is very reactive. This is because Quicken does not treat spending categories like accounts. Income is not allocated to spending categories in advance of spending but instead is tracked in a single account the checking account! In contrast, Mvelopes allocates money as it is received to virtual envelopes (categories) which function as miniature spending accounts, each with a register and a running balance. This proactive approach encourages users to plan ahead for upcoming expenses and set aside money before they make a purchase. You always know how much money you have to spend in every envelope, and how long it has to last.
In addition, Mvelopes helps users properly manage credit card spending by tracking each credit card purchase and transferring the purchase amount from the corresponding spending envelope to a "Money for Credit Card" envelope. The user isn't tempted to spend the money elsewhere, and when the bill comes due the money is waiting to pay the bill off in full.
Accessibility
Mvelopes functions like online banking, meaning that users aren't tied to a single computer. What's more, Mvelopes Personal supports over 10,000 financial institutions, nearly three times the number supported by Quicken. That means not only do Mvelopes users have access to all their spending and transaction information regardless of where they are, but also regardless of where their money is.
"The feature I like most about Mvelopes", stated Kathy, who made the transition last year, "is having ALL my accounts' transactions just 'magically' show up."
Simplicity/Ease of Use
"With Quicken, there's just too much 'stuff' that quite honestly wasn't important," said Joani, who began using Mvelopes in 2005. "I like that Mvelopes focuses on what's most important, and what I have the most control over where and how I'm spending my money. I'm a visual person, and Mvelopes just gives me a better visual picture.
It's just easier to work with."
Key Feature Differences
Cost Comparison
A number of respondents also indicated that while Quicken's purchase price of $59.99 was rather reasonable, there were too many additional 'hidden' costs, including additional charges for customer support, online bill pay and bank fees for transaction downloads. Compare Mvelopes Personal on a monthly basis to what you would pay for Quicken.
Now Making the Switch is Easier Than Ever If you've ever used Quicken, you probably have your old Quicken data taking up space on your hard drive. Now Mvelopes has the ability to archive all of your old Quicken data and store it for you. Mvelopes allows you to browse your hard drive to find your QIF files, and load them into Mvelopes.
You can run reports on each of your accounts and even search for transactions by specific payee. You can free up the space on your hard drive while gaining Mvelopes' anytime, anywhere access to all your old Quicken data as well.
Summary
Mvelopes Personal is the most effective spending management system ever. You pay a flat fee, with no hidden costs, and never pay extra for live customer support. "And now you can save all your old Quicken data directly within Mvelopes Personal, so making the switch is easier than ever!" Sign up today for your FREE trial and see for yourself why so many former Quicken users are switching to this award-winning spending management system.
Become an Mvelopes Personal Member Today!
See how simple it is to manage your money when you can do it all from one place. Enroll today and get your first month FREE.
1. Cost based on 2006 Deluxe edition of Quicken offered on quicken.intuit.com. Mvelopes cost based on one-year prepaid plan.
2. Cost based on monthly service fees charged by Wells Fargo Bank ($3.00 per month). Prices vary by bank. Bank of America and JP Morgan Chase both charge $9.95 per month for transaction downloads to Quicken.
3. Quicken figure is based on compatible bill pay service from a leading bank. Intuit charges $119.40 ($9.95 per month) for Quicken Bill Pay.
4. Cost based on one customer support call per year. Quicken offers free support during installation, with a $24.95 charge per call after installation.
* Quicken is a registered trademark of Intuit®.
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How Much Do You Really Pay Using Quicken or Microsoft Money?
Often there are many hidden costs to using these applications. Mvelopes Personal is a monthly subscription service that is less than 1/2 the cost of ownership of Quicken or Money.If you have used Microsoft® Money, ask yourself, are you any better off financially?
Most people find they're not. In spite of all these budget programs do, they do not solve the fundamental problem that keeps most people from achieving their financial goals, managing their spending. The key is budgeting, but not the traditional approach. MS Money uses the traditional after-the-fact approach, basically a month-end reconciliation of budget to actual spending, which simply does not work.
Imagine trying to manage your grocery or clothing spending but not knowing how much you have spent in each until the end of the month. It just doesn't work. You need accurate, up-to-date information for each spending category right when you make a spending decision. You cannot wait until the end of the month, or you'll find you have overspent yet again.
The Mvelopes® Personal Difference
Mvelopes Personal allows you to easily create a budget or spending plan with dynamic spending accounts that provide you with daily, up-to-date balance information for each spending category. You always know how much money you have left to spend in each category, and how long it has to last. You can then begin to manage your spending, and lay the foundation for reaching your financial goals. Take a look at the following feature differences.
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Mvelopes System Requirements
Windows |
Macintosh
|
| 450 MHz Intel Pentium II processor (or equivalent) and later | 500 MHz Power PC G3 and later |
| 128MB RAM | 128MB RAM |
Windows Supported Operating Systems and Browsers
| Platform | Browser |
| Windows 98 | Microsoft Internet Explorer 5.5, Firefox 1.x, Mozilla 1.x, Netscape 4.7, Netscape 7.x and above, AOL 9, Opera 7.11 and above |
| Windows Me | Microsoft Internet Explorer 5.5, Firefox 1.x, Mozilla 1.x, Netscape 4.7, Netscape 7.x and above, AOL 9, Opera 7.11 and above |
| Windows 2000 | Microsoft Internet Explorer 5.x, Firefox 1.x, Mozilla 1.x, Netscape 4.7, Netscape 7.x and above, CompuServe 7, AOL 9, Opera 7.11 and above |
| Windows XP | Microsoft Internet Explorer 6.0, Firefox 1.x, Mozilla 1.x, Netscape 7.x and above, CompuServe 7, AOL 9, Opera 7.11 and above |
| Windows 2003 Server | Microsoft Internet Explorer 6.0, Firefox 1.x, Mozilla 1.x, Netscape 7.x and above, CompuServe 7, AOL 9, Opera 7.11 and above |
Macintosh Supported Operating Systems and Browsers
| Platform | Browser |
| Mac OS X 10.1.x, Mac OS X 10.2.x, Mac OS X 10.3.x, or Mac OS X 10.4.x | Microsoft Internet Explorer 5.2, Firefox 1.x, Mozilla 1.x, Netscape 7.x and above, AOL for OS X, Opera 6, or Safari 1.x and above |
Connection Speed
Mvelopes Personal requires an Internet connection with a minimum speed of 56 Kbps and a broadband Internet connection is recommended.
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