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Mortgage Lender Calling Every Hour All Day Long! Dear Mary: We are one month behind on our mortgage payments and plan to catch up this month. We have told our credit union we will pay half on the 1st and the second half on the 13th. This will bring us current. They call all day, every hour. When …Read more. Get Prepared One Tip at a Time The idea of emergency preparedness is a good one. Every family needs some kind of plan in the event of a kind of disaster that could disrupt the normal course of life. But where to start? Hopefully, these quick tips will do the trick to get you …Read more. Don't Be Scared, Be Prepared If there is one thing most people take for granted, it is food. U.S. supermarkets are always well-stocked, and we don't think much about how all that food gets there. When pushed to consider it, I wager most of us assume there are huge warehouses …Read more. So, You're Getting a Tax Refund! Discovering that you'll be getting a tax refund is certainly not the worst news you've had in your life. In fact, it's easy to see a tax refund as some kind of gift from the universe. But here's the truth: It's part of your paycheck that you should …Read more.
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The Best Online Budgeting Tool Ever -- and It's FREE!


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 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, a personal finance member website. You can email her at, 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



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
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