Is it good software?

Sure.

Could it help someone trying to create a budget and allocate their money?

Absolutely.

Is it for me?

Not really.

—-
Nothing against Mvelopes or their format, but I just don’t think I’m going to be going on past the free trial. It’s just an extra step and I think could be more useful to help a family or at least a young couple with their budgeting. Since it would be helpful to have one place that lists how much money is left in a specific envelope without always having to have “a talk” with someone.

But I’m a young guy – basically just starting out – and I think my duel-bank account system is going to be more effective for me, since it will practically run itself.

Then, once my day-job begins to pay slightly more (and there have been some great personal/career developments lately – so hopefully it’s only a matter of time). I will split my direct deposit so that I can continue my two bank system and let my money take care of me.