- - - Rejoice in the Lord always ... again I say Rejoice !!! - - -

Various Links on this Web Site:   

http://www.bcidot.org  links:   eEnvelopes HOME  | :  ABOUT  US   |    eEnvelopes Purpose   |   SITEMAP   |   MFTeam HELPS

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                   TO: Interested  Christians                                                                                                                 FROM: Jim Bramer, Retired CPA 
                                                                                                                                                                                     FILE: 0428-03/env   
                                                                                                                                                                                     0928-03/fwi

                    RE: Use of the Internet re Personal Finances via the Mvelope product                               Originated in August 2004         

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- - - - - BACKGROUND- - - - -

    For a long time I have been convinced that Christian families should use the fundamental Envelope system as a Budget equivalent tool to carry out their Righteous Personal Finance convictions. Please examine the Web page links found in the list located at RPFin.  The Cash Only  Envelope approach --- as described when you click here --  has been a practical way to make use of this system.  Please click here   and view a Cash Only  tool.  Or people would take their Cash  upon receipt and place a pre-determined amount within applicable physical Envelopes.  There is a physical Envelope for various ways that you had decided to righteously spend this cash.  When there was no cash left within an Envelope, you had no more to spend in that area of your life. 
    As I point out when you read my editorial at 0917,  estimated consumer spending has been divided up as follows:

--- Consumer Spending ---	Ratio:
Via Checks	51%
Via Credit/Debit Cards (Plastic)	25%
Via Green Stuff or Cash	17%
Other ways	7%
Total	100%

    Apparently our present society has used Checks and Credit Cards to do over 75% of their consumer buying. Such facts tremendously complicate the foregoing Cash Only Envelope system since no doubt Christian families are close to the above ratios.

- - - -  MVELOPES PRODUCT  - - - -

    There is now in 2004 a commercial Internet software product known as Mvelopes  -- please notice; it is not Nvelopes (or Envelopes), but Mvelopes -- that greatly assists you to use this VIRTUAL Envelope concept as a tool to control all of the above ways that you do your buying that are described above..  Plus, it also seamlessly integrates Online Bill Payment resources found at  www.bills.com  and more!   Please go to eEnvelope and learn about our services in this area to such Christian families. 
    Please Click  Here  for answers to questions concerning Mvelopes -- especially re such Factors/Issues as the following:

	Factors / Issues:	See the Web Link Contents Below:
<<	It is a Web based computer system or you	http://www.mvelopes.com/mvelopes/index.php
	do not buy software as you access it directly	http://www.bcidot.org/fwi/0904-03.html
	via your Internet computer browser
	at anytime from anywhere.  CAUTION:
	The ideal is a fast connection to be effective.
	See other ASP issues in the 0904-03 link
	contents to the right
<<	The present cost is between $10.00	http://www.mvelopes.com/mvelopes/service-plans.php
	to $15.00 a month. The 1st month is free.
<<	You do not have to manually write checks	http://www.mvelopes.com/mvelopes/bill_pay.php
	and mail them as you can pay virtually all	http://www.bills.com
	of your vendors via the integrated Bill
	Payment system.  This savings can greatly
	offset the costs of the above monthly fees.
<<	You have Online access to the activity	http://www.mvelopes.com/mvelopes/index.php
	and status of each of your Online Bank
	Accounts.  Such transactions can be posted
	automatically to the Mvelope system
<<	You have Online access to the activity	http://www.mvelopes.com/mvelopes/index.php
	and status of each of your Online Credit Card
	Accounts.  Such transactions can be posted
	automatically to the Mvelope system.
<<	You use the "drag and drop" feature	http://www.mvelopes.com/mvelopes/online_budget.php
	to move an amount from one place
	to the applicable Envelope (Mvelope);
	you do not process bookkeeping entries
	with related complications.
<<	You readily know how much of all your	http://www.mvelopes.com/mvelopes/online_budget.php
	restricted finances is in that spending
	area --- or that  Mvelope Envelope.
<<	You readily know how much you have	http://www.mvelopes.com/mvelopes/index.php
	used of your Credit Card limit so you can
	timely pay the balance and pay no fees, etc.
<<	You can invite Helpers to view the	http://www.mvelopes.com/mvelopes/index.php
	Mvelope Envelope  system content as you	http://www.bcidot.org/fwi/0905-03.html
	together make use of these resources.
<<	You know the critical fact of how	http://www.mvelopes.com/mvelopes/online_budget.php
	much you have to spend (as previously
	decided) before you actually spend it.

         If any of this rings a bell with you, please be sure to notice the link contents found at  ENV  and/or contact us at  Jim@bcidot.org  for more information about our eEnvelope or ENVELOPE SPENDING CONTROLS  resources detailed within eEnvelope.                 

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 FINIS:

      Please Click Here for a list of eEnvelope writings on www.bcidot.org.  Feel free to contact me at eEnv@bcidot.org if you have any comments or questions about any of these matters.  Remember -- It is my desire to encourage you in your Christian walk and to be "Your Servant for Jesus Sake:" Thank you.   II Corinthians 4:5B.   This was updated last on May 03, 2008   

Email Address:   Jim@bcidot.org  - Phone: (559) 298-5507  -- 
 Mailing Address:  2628 East Goshen Ave. - Fresno, CA 93720

http://www.bcidot.org  links:   eEnvelopes HOME  | :  ABOUT  US   |    eEnvelopes Purpose   |   SITEMAP   |   MFTeam HELPS
 

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