Caroline and I have been a subscriber for more than 5 years now. Mvelopes Personal is a turbocharged online budgeting system that makes it easy to create an effective personal budget and track every aspect of your spending as it happens. It will help you always know exactly how much you have left to spend, instantly know the impact of every spending decision, effectively manage credit card spending (oh sorry, Dave says no credit cards), and quickly create an easy to use household budgeting plan. We feel the automated transaction retrieval system saves us countless hours of tedious work unlike other programs that require handkeying in all your expenditures. The ability to update it anywhere is another great feature (See the features section for details). Dave Ramsey has given us great tools to obtain financial peace. Mvelopes is just another great tool to make the budgeting process, the toughess part of all in my opinion, easier to set up and maintain on this long road to financial freedom.
The risk free trial will give you an opportunity to check out this system without risking any of your hard earned cash. You will be asked to select a payment option when you download the trail. We selected the 2 year option which just meant we funded an envelope in the amount of $7.90 each month to pay for this every two years. Believe me its worth every penny.
If you find that this is not for you then just simply cancel before the 30 days are up and you will not be charged anything. I think you will find as we have, that you will want to continue to use the program after its trial period has expired.
Although the program is simple to set up and to get started, the folks at Mvelopes Personal are there to help you with great customer support. Also feel free to contact me at my email address, mlfrady@bellsouth.net, if you have questions or need help. I told Bryan that I would be happy to be Putnam's contact for this program.
