Don't Lose Your Financial Focus in an Instant

Posted by Kevin Nielsen on Mar 21, 2017 9:41:08 AM

Is it just me or are there more landmines than ever when it comes to making the right financial decision.

Most tempting offers or inviting purchases don't take into account your specific financial situation, even if they're handpicked for your mobile device by whichever algorithm is in control. A week ago I had an "offer" that caught my eye and made me think just a little bit harder about what I should pay attention to and where I shouldn't pay attention.

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Topics: Reaching Financial Goals

Take Advantage of the Mvelopes Knowledgebase

Posted by Kevin Nielsen on Mar 15, 2017 10:58:07 AM

Setting up your Mvelopes app just how you want it can take some time. Similar to how arriving at an accurate budget that helps you save money doesn’t happen overnight.

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Topics: Tips and Tricks

Get Started with Mvelopes

Posted by Kevin Nielsen on Mar 7, 2017 10:38:32 AM

An envelope budget is a great way to plan and track your money and as part of the Mvelopes budgeting app, it helps you keep up-to-date on your finances either on the web or your mobile device. You don't need to carry cash around in envelopes, but you do need to get accustomed to just how an envelope budget works.

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Focus on Your Behavior to Change Your Credit History

Posted by Kevin Nielsen on Mar 1, 2017 10:50:17 AM

When it comes to your low credit score, there is no instant fix. Mistakes, old accounts and fraud can come off your credit report quickly. If you have bad credit because of your past financial behavior, it's there to stay for seven years or more.

A major part of your credit score is your credit history. Improving your credit history should be looked at as a process and not an easy button. There are behaviors that are rewarded and behaviors that are penalized. Get to work on the good ones and not only will your credit benefit, your finances will as well.

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Topics: credit report

Don't Consolidate Your Debt, Eliminate It!

Posted by Kevin Nielsen on Feb 22, 2017 9:45:13 AM

When debt becomes overbearing, many people turn to debt consolidation loans and find that it doesn't solve the root of their problem. Consolidating your debt may put you in the same situation or worse.

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Topics: Debt

How Mvelopes Helps You Accomplish Your Goals

Posted by Kevin Nielsen on Feb 14, 2017 9:25:07 AM

Mvelopes helps you budget so you can achieve your goals with your money. Saving more, eliminating debt and living within your income all help you in your daily life. 

We're proud to help people take positive steps toward their financial independence and want to share their stories with you.

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Topics: Mvelopes

Mvelopes vs. Mint

Posted by Kevin Nielsen on Feb 7, 2017 11:58:48 AM

If you use Mint to categorize your transactions for you to check once a month, you’re not really budgeting. You have a finance tracker and not a budget.

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How to Make Sure There's Money in Your Future

Posted by Kevin Nielsen on Jan 31, 2017 10:26:47 AM

People sometimes can’t decide what they should do, save money or pay off debt. They’re both good things and really both should be happening at the same time, but to what extent depends on your situation.

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Ease Your Mind By Eliminating Debt for Good

Posted by Kevin Nielsen on Jan 24, 2017 9:41:22 AM

Debt is a common problem in America.  Many people think they have it under control, but plenty of people are drowning in debt.

Ever-increasing debt causes stress in you and your relationships. You’re always paying interest and the balances never seem to move except to increase. Living paycheck to paycheck leads to covering emergencies or financial needs with credit instead of savings, while debt grows and grows.

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Add a Little Sunshine to Your Budget

Posted by Kevin Nielsen on Jan 17, 2017 12:49:07 PM

Not to rain on your budget, but it could be so much sunnier. We all spend too much one way or another. Invite a little sunshine into your finances by reducing your expenses.

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Topics: Budget