creators home
creators.com lifestyle web
Mary Hunt icon

Recently

Help Available for Family Through a Difficult Time Help Available for Family Through a Difficult Time Dear Mary: I have been a fan for more than 15 years. Thanks to following your advice over the years, we have paid off our house, and we are currently two car loans from being completely debt-free. …Read more. Tips to Make Cooking Fun and Rewarding I remember my grandmother saying, "If we didn't need food, we'd all be rich!" This may be true. But then, a life without food would be a little less pleasurable. Still, there are so many ways to make great food cheap, make perishable food last and …Read more. Chromebook: Inexpensive and Awesome You may recall a few months ago I wrote about the new inexpensive laptop computer series that is sweeping the tech world called Chromebooks. I'm still onboard in a big way. These little laptops that run on Google's Chrome OS are great budget-…Read more. Give Yourself a Promotion Worried about layoffs? You're not alone. About 6-in-10 Americans worry that they will lose their jobs because of the current state of the economy, according a recent Pew Research poll. Losing a job can be a terrible blow especially if you were …Read more.
more articles

The Best Online Budgeting Tool Ever -- and It's FREE!

Comment

Years ago, a reader introduced me to budgeting software called Mvelopes. Honestly, when I read her email I was pretty sure she made a typo. Mvelopes? How would I pronounce that? But she was right, and I learned quickly: EM-vel-opes.

Being such a fan of the envelope method of managing money, I was intrigued by anyone who could take my archaic method of divvying up cash into paper envelopes marked with spending categories like "groceries" and "gas," and turn it into computer software. That's exactly what Mvelopes accomplished, and I was impressed.

Immediately, I was onboard and began recommending Mvelopes to anyone who would listen. I don't recall the exact cost at the time, but I remember thinking it was quite reasonable. I loved it because it allowed me to keep the simplicity of envelope budgeting while using my computer to keep track of everything. As downloadable software went at the time, it was quite cool.

Over the years, Mvelopes has grown and developed into the most effective online personal finance and spending management system out there, bar none.

News flash! I am excited to tell you that Debt-Proof Living and Mvelopes have recently teamed up to offer DPL/Mvelopes Online Envelope Budgeting to all Everyday Cheapskate readers for free. This is not a free trial. It is a basic DPL/Mvelopes online account that lets you set up electronic envelopes, fund them just as you would paper envelopes and then keep track of where your money goes.

Here's how it works: DPL/Mvelopes pulls all of your financial accounts into one place.

You create your budget, track your spending and take control of your money. With DPL/Mvelopes, you instantly understand the impact of every spending decision and you always know exactly how much you have left to spend in each of your electronic envelopes.

Once you have your account set up so that your financial information is in one place, you will have access to your DPL/Mvelopes account from any computer or via mobile apps, which are also free.

To get started, go online to www.mvelopes.com/DebtProofLiving. Follow the prompts to open your new, fully secure DPL/Mvelopes account. The wizard will walk you through adding your bank and credit-card accounts to your DPL/Mvelopes, and assist you in creating your own uniquelylabeled envelopes.

Additionally, once your account is active, you can take advantage of a one-on-one "Jumpstart" coaching session via phone with a live coach who will help you unlock the potential in DPL/Mvelopes and accelerate your success with the envelope budgeting system. I suggest that you take full advantage of this opportunity.

If you're at all like me, you're thinking about friends and family members who might also like to know that DPL/Mvelopes is now available for free. Feel free to share this offer with them.

I can't wait to hear from you to learn how this excellent money-management tool helps you in your journey to financial freedom.

Mary Hunt is the founder of www.DebtProofLiving.com, a personal finance member website. You can email her at mary@everydaycheapskate.com, or write to Everyday Cheapskate, P.O. Box 2099, Cypress, CA 90630. To find out more about Mary Hunt and read her past columns, please visit the Creators Syndicate Web page at www.creators.com.

COPYRIGHT 2012 CREATORS.COM



Comments

2 Comments | Post Comment
Did you rip off Dave Ramsey?
Comment: #1
Posted by: Paul
Mon May 28, 2012 9:43 PM
Free? Mvelopes/Finicity must be making money somehow, and could it be by selling our private information? I read the entire terms and conditions in the Mvelopes User Agreement. I am concerned because like many sites this one states that it will share some of my information with other companies or sites -- I assume that share means sell.
The agreement reads, "For each financial institution account you add to the Service, you hereby authorize Finicity to act as your agent to access the institution, retrieve information, and process any requests or instructions you make through the Service." This means I give Finicity the right to access my bank account numbers and related information.
But the next line reads, "Consistent with the Privacy Policy and Security Overview, Finicity may provide such information in encrypted format to a data aggregation services provider solely for the purposes of improving service to your account." This apparently means that Finicity will give my bank account number and password to others! Even in "encrypted form," this bothers me. What's a data aggregation service, and will it mean tons of advertising dropping into my email account? Why is everything so complicated. And intrusive.
Comment: #2
Posted by: Claude
Tue May 29, 2012 5:06 PM
Already have an account? Log in.
New Account  
Your Name:
Your E-mail:
Your Password:
Confirm Your Password:

Please allow a few minutes for your comment to be posted.

Enter the numbers to the right:  
Creators.com comments policy
More
Mary Hunt
Apr. `14
Su Mo Tu We Th Fr Sa
30 31 1 2 3 4 5
6 7 8 9 10 11 12
13 14 15 16 17 18 19
20 21 22 23 24 25 26
27 28 29 30 1 2 3
About the author About the author
Write the author Write the author
Printer friendly format Printer friendly format
Email to friend Email to friend
View by Month