You know you need to budget. And you've probably even tried to create a little system that would help you along. Maybe you've put together a spreadsheet or invested in a software program to help you keep track of all your transactions.

And good for you...

You're on the road to taking control of your money and discovering your own financial freedom. And I'm about to give you another tool to further that goal.

Mvelopes.

Mvelopes is a nifty little software program that tracks and budgets your cashflow like Quicken or MS Money. But where Mvelopes differs is in its accessibility.

You can manage your Mvelopes from your cell phone, your home PC, your work PC... anytime, anywhere. That's because Mvelopes is an online subscription program that puts your financial future right at your fingertips no matter where you are.

Mvelopes uses the age-old idea of segregating your cash into categories or envelopes. An envelope for your mortgage, an envelope for your credit cards, your groceries, gas, trips to the salon... you get the idea.

Fund your envelopes for your expenditures and viola! You've now got a workable budget. You can download data directly from your bank and Mvelopes can even migrate your Quicken data as well.

You can also set up envelopes for long-term expenses such as a vacation, tuition or the down payment for that new car. Instead of trying to come up with the money all at once, you can budget the expense by socking away a little each month.

The result? You'll be surprised at how many of your envelopes have money left over each month - money you can use to help pay down your debt or build up your savings.

Ready to give Mvelopes a try? They're offering a free 30 day trial - you can register here.