Effective Spending Management

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Effective Spending Management in an Electronic
World
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Spending in the 21st Century
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The Vision
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The Reality
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Why clients are not wealthy
Whats the Problem?
Today we spend in a near Cashless Society
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The Impacts of a Cashless Society
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Explosion of Ways to Spend
Clerk-Assisted Transactions Grocery, Retail,
Restaurant
Unattended Transactions Parking, Toll, Vending,
Ticketing
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Explosion of Ways to Spend
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Loss of Psychological Tie to Money
Statistics show that people spend 12 more on
purchases when they use credit cards rather than
cash.
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Inability to Track Every Expense
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Real Time Comparison
There is no way to compare back to our plan AS WE
SPEND! its always after-the-fact
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Credit Card Spending
Using Credit Cards for an Income Source
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The Solution
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Traditional Envelope Method
Sum of Envelopes 1200 Sum of paycheck is equal
to sum of envelopes
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The Solution
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Mvelopes Personal System

• Over 9000 financial institutions supported

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Mvelopes Features/Benefits

• Automated spending plan Save time
• Automated transaction retrieval No manual input
• Envelope spending accounts
• Compare expenses to income in real time.
• Always know how much you have left to spend
• Know the impact of spending choices before you
  spend
• Credit card tracker Integrate credit card
  spending
• Mportfolio Automatic asset tracking

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Success Achieved

• Manage all spending in one EASY system
• Know the impact of EVERY spending decision you
  make!
• Know exactly how much you have LEFT to spend!
• Have the information to make YOUR spending
  choices!
• Save for future expenses so you ALWAYS have the
  money!

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Achieve The Vision
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Money for Life Materials

• Money for Life Book
• Vision
• Motivation
• Key Principals
• Money for Life Planner
• Education
• Implementation directions
• Execution tools

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