Financial Tools

Financial Articles

5 Days to Financial Success

Money3rd Recommends

Money Saving Tip

  •  

Money Fun Fact

  •  

 

  • Free Budgeting E-course

Helping millions of Americans put their money where it belongs...


A household budget is the foundation to having a strong financial game plan. A budget is a personal finance strategy based on your personal and financial goals. At money3rd we are committed to helping you achieve these goals.


There is a growing debt epidemic in our society. If you are having debt and finance troubles, you are not alone.
  • Of American adults in committed relationships, 75 percent say money is a major source of conflict.
    – Redbook Magazine/Harris Interactive
  • The average household has 6.0 bank credit cards, 8.3 retail credit cards and 2.4 debit cards for a total of 16.7 cards. – CardWeb.com
  • The average interest rate on these cards is 14.24 percent. – CardWeb.com
  • Credit card interest rates could be as high as 30 percent. – CardWeb.com
  • 70 percent of households are living paycheck to paycheck. – The Wall Street Journal
  • 83 percent of college students have at least one credit card. – Center for Economic Education
  • About 20 percent of all credit cards are "maxed out" by their owners. – Fast Company
  • The current average of unsecured debt is about $8,562 per household. – The Motley Fool
  • Individuals filed 2.04 million personal bankruptcies in fiscal 2005, a record high.
    – Lundquist Consulting/CNN.com
Envelope Budgeting

At money3rd we believe that the simplest and most effective way to budget is by using the envelope budgeting system. The envelope method is not new, this method of budgeting has been around for many years. It dates back to when most Americans did not use banks. Most were paid in cash for goods and services, this forced them to manage their spending by utilizing only the cash they had on-hand. Eventually these households would begin using a simple and easy to use system. They would divide their cash and place it in labeled envelopes... Read more...

Featured Article

Personal Finance Software is Money Magic – By Kristen N. Carpenter
Does your money seem to pull a disappearing act each month? Does your credit card statement continually leave you wondering when and how you could have spent that much?... Read the entire article...


Mvelopes Personal will help you easily create an online home budget, track all your spending, and always know exactly how much you have left to spend in every category.

With Mvelopes you can:
  • Recover 10% of your income from hidden spending
  • Eliminate existing debt
  • Easily pay ALL your bills online
  • Create an easy to use household budget or spending plan
» Take a tour of Mvelopes Personal               » Try it FREE for 30 days!