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

Now is the Time to Look at Your Net Worth

Posted by Kevin Nielsen on Jan 3, 2017 9:56:39 AM

Being open and frank about your finances is part of getting started improving them. Sometimes this can be hard to do, especially if you aren't on top of the details of your budget. There are a lot of ways to measure your financial health, but one efficient way is your net worth.

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Topics: Tips and Tricks

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

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

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

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

Take a long look at saving

Posted by Kevin Nielsen on Oct 14, 2016 1:42:24 PM

The miracle of a savings account is that it can help in so many ways.

If you’re short on income, your savings is there. If you’re heavy on expenses, your savings is there. If an emergency tosses you around, savings can steady your financial life.

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Topics: Tips and Tricks

Be Energy Efficient and Save on Your Energy Bill

Posted by Kevin Nielsen on Oct 12, 2016 9:40:57 AM

Stop me if you have heard this one before, but turn out the lights when you leave a room and decide what you want out of the fridge before you open the door.

Your behavior can go a long way to saving money on your energy bills, but there are a variety of routes to take for lower power bills. A combination of increasing energy efficiency, reducing consumption and properly maintaining your home and appliances will decrease how much you’re paying each month.

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Topics: Tips and Tricks

7 Ways to Save for a Vacation

Posted by Kevin Nielsen on Jun 1, 2016 9:32:48 AM

Do you feel like it's time to take a vacation? Now is always a good time, but what we really want to know is “Have you been budgeting for it?”

Being able to enjoy a trip to some exotic locale or the cabin down the road is much easier when you’re not worried about where the money is coming from or juggling credit cards for all the fun you’re trying to have.

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Topics: Tips and Tricks, Budget

Mvelopes Tip: How to Instantly Increase Your Income

Posted by reagan.nickl on Apr 17, 2015 8:44:30 AM

Seventy-five percent of those reading this post will receive or have already received a tax refund for the 2014 tax year. Being that the average tax refund is around $2800, that’s an additional $233 a month of income you may be missing out on.

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Topics: Tips and Tricks