Four Steps to Financial Success in the New Year

Posted by Kevin Nielsen on Dec 27, 2016 11:34:31 AM

Take a mental snapshot of your finances. Would you consider that picture a pleasant one or a stressful one? 

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Topics: Reaching Financial Goals

How to Prepare for Higher Interest Rates

Posted by Kevin Nielsen on Dec 20, 2016 10:01:08 AM

Last week, the Federal Reserve Board voted to raise their benchmark interest rate a quarter of a point so it will sit between .5 and .75%. It’s big news because it affects the majority of instruments you use for daily and monthly finances. Every loan you have that isn’t a fixed rate is affected by the increase and probably the most important change will be on your credit cards. 

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Topics: Tips and Tricks

Achieving Your New Year's Resolution

Posted by Kevin Nielsen on Dec 13, 2016 10:08:31 AM

Most people's New Year’s resolutions are obvious. Sorry, but it’s true, even if it would take me three guesses.

The 10 most common resolutions are to lose weight, get organized, spend less, get healthier, live life to the fullest, help others, live your dreams, spend time with family, quit smoking and fall in love.

They’re so common because they’re difficult to do for an entire year and every January you have the opportunity to give it another go. Well, 2017 will be different. Your resolutions may not be, but accomplishing them will.

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Topics: Reaching Financial Goals

Three small credit card changes to save you hundreds

Posted by Kevin Nielsen on Dec 6, 2016 9:42:46 AM

Our finances are at times distracting because of their complexity, their details or the feelings of urgency they create. This is especially true of your credit cards with their high interest rates and what seems like ever-increasing balances.

If your financial picture seems daunting and too big for you to change, it can be good to look at the little things. Even small adjustments can help you achieve your big goals.

Here are three seemingly minor changes that can help make a difference in the long run.

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Topics: Tips and Tricks

More money doesn't remove financial stress − budgeting does

Posted by Kevin Nielsen on Nov 30, 2016 9:09:49 AM

Sometimes when you find yourself in a hole, you really should stop digging. Even if shovel after shovel is being handed to you.

Financial stress comes from a lot of different causes, but getting rid of that stress is rarely accomplished by finding more money to throw at the problem.

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Topics: Budget

How giving back fits in your budget

Posted by Kevin Nielsen on Nov 22, 2016 10:19:03 AM

One of the biggest reasons why we strive to be financially fit and debt free is to be able to help others.

At Mvelopes, we tend to like the 80-10-10 budget simply because it sets aside 10 percent of our income for giving, 10 percent for saving and the other 80 for our expenses. Taking the time to create and use a budget can not only help us reach that 10 percent goal, but can also help us increase it over time. Imagine things going so well that you can comfortably have a 60-20-20 budget each month.

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Topics: Life in General

Make your holiday shopping worry free with a budget

Posted by Kevin Nielsen on Nov 16, 2016 9:12:41 AM

It’s that time again. The most distracting season of the year.

The holiday shopping season can eat you up and spit you out if you’re not careful. Ads disguised as gift ideas and big ticket items tied up with bows can make it seem almost mandatory to spend, spend, spend.

Don’t get overwhelmed because creating a plan and following it can make all the difference.

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Topics: Tips and Tricks

5 Reasons to Integrate Your Accounts with Mvelopes

Posted by Kevin Nielsen on Nov 9, 2016 9:19:37 AM

Making your finances less stressful is just one way Mvelopes helps your bottom line. Budgeting and worrying about your finances takes time, so why not use it wisely by integrating your bank accounts into Mvelopes.

Everyone’s finances are different, but think about everything you would need to look at if you were being totally responsible for every penny of your money. A shoebox full of receipts that grows larger each day or a spreadsheet that takes too long to load because of everything you’re trying to track. Post-it note reminders to pay bills stuck on any flat surface, plus just enough uncollected change bouncing around that you wonder how much is really lying around the house.

Now take all that and put it into Mvelopes.

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Topics: Mvelopes

How Mvelopes Can Help With Your Finances

Posted by Kevin Nielsen on Nov 2, 2016 9:26:01 AM

It’s November and we would like to show our gratitude to everyone who uses Mvelopes and helps to make us successful in providing a budgeting solution to accomplish your financial goals.

Over the past two months, we have been rolling out testimonials from our users about what our app and coaches have done for them. We appreciate them taking the time to record these videos and tell their story to all of you. They're just a sample of individuals and families who have used Mvelopes to accomplish their financial goals.

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Topics: Mvelopes

7 Ways to Save on Health Insurance

Posted by Kevin Nielsen on Oct 26, 2016 9:28:53 AM

It's decision time for your health insurance once again. Take the time between now and December to look into your options and save on next year's medical costs.

Open enrollment for health coverage that begins on Jan. 1, 2017 begins on Nov. 1 and if you sign up by Dec. 15 your coverage will begin along with the New Year. The last day to enroll in coverage is Jan. 31, 2017.

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Topics: Tips and Tricks