Over the years, my husband and I have used just about every Crown Financial budgeting product out there, and with great success. That is, until my husband took a job as a civilian contractor in Afghanistan. He spends three months away from home at a time, and he has his share of expenses. It was difficult to keep track of who was spending how much and from which category. My husband would try to remember to ask, "honey, how much do we have in clothing?" before purchases, but with limited phone calls this wasn't always practical, or possible. As a result, our communication regarding money dwindled to nothing and overspending turned into credit card debt—the first consumer debt in our eight-year marriage!

We are now successfully using Mvelopes, which bridges the distance by allowing both my husband and myself to access our finances from anywhere in the world and see exactly what is in every envelope. My husband no longer has to wait for my email reply to find out how much money is left in a specific category, nor do I have to wait for his reply explaining the mysterious charges. I'm no longer the "bad guy" trying to keep hubby within the budget from 7,000 miles away, and we're back on budget! Since using this system, we've been able to pay off one debt and pay down the others, because we're able to keep a tighter control of where our money is going!

I wanted to thank you for your wonderful program. Ever heard that money problems are a leading factor in most divorces? Well, I was afraid that my marriage was heading out of the honeymoon phase because all we talked about was money. It had become a real problem.

Mvelopes enabled us to get a good picture of our household finances. With Mvelopes, we knew how much we could spend on things we just wanted. I no longer had to worry that we would run out of money at the end of the month.

Thanks, from a happy husband.

I would like to encourage older couples, as well as the younger ones, to use Mvelopes. My husband and I have been married for 41 years and are now 'empty-nesters.' We initially started trying to budget in the early 80's. We both liked the principal of budgeting but we could never come to an agreement on how to implement one. We tried different types of budgets, but our differences of how to manage money always got in the way.

When I found the Mvelopes Personal program I was excited to try it. I was initially worried that my husband and I would come up against each other like before because we both have very different ideas on how to track money. We decided, however, that we needed to work together on making and keeping a budget. As we started to look at the program and familiarize ourselves with it, it all came together and started to make sense. Now we are both using Mvelopes and we are very happy with it!

We are experiencing a new depth in our relationship because we have a whole new level of trust with each other because we have our spending plan in place. We can talk together about what we're going to do and plan ahead. It's very comforting and freeing for us to have a program in place that we both agree on. Thanks again!

My wife and I were looking for some budgeting help and ran across Mvelopes. It looked like it could be just the thing we needed and so we tried out the 30-day free trial. The only struggle we had was the initial set up. I attribute that to the fact that we were going from no budget to a structured spending plan, but we finally committed to sit down together and not logout till we got it set up. We have only been using Mvelopes for about three weeks now, but I am sold! We weren't having major issues with our spending, but we knew we needed something to help us better take care of our money.

The thing that impressed me the most is the first two weeks were probably the best two weeks of our 11-year marriage as far as finances go, because of how free we felt. I think I can speak for 99.9% of the American population when I say that when people hear the word budget there is a negative association; much like with the word exercise. The words binding and being strapped down also come to mind; however, this is not the case with Mvelopes. What has made a difference was that in the past we would spend assuming that we are doing well financially that month when in reality we weren't doing as well as we thought. With Mvelopes, in 5 seconds we can log on and see exactly where we stand we know exactly where everything is going and it has made our household finances incredibly simple.

We are very excited about Mvelopes because now we know we have to budget before we buy something instead of just going out and buying it and then wondering how we are going to pay for it. Mvelopes takes the stress away.

Thank you Mvelopes Personal.

P.S. It is the first time my wife and I have stuck to a budget for more than two days, and we plan on using Mvelopes indefinitely!

We've been using Mvelopes Personal for about three months and it has already had a huge impact in our lives. We're getting a handle on our money for the first time and we're starting to work towards financial goals for the future. However, its true impact on our marriage can't be counted in just dollars and cents. Working together on Mvelopes has helped us discuss our finances like we never could before. We're finally "on the same page" when it comes to our income and purchases; that's a huge weight lifted from both of our shoulders that is paying off in other aspects of our lives. Thanks for your great product!