Fairly new member from Mvelopes... Did the funding for January and that worked well. Will February automatically fund the same amounts on the same day as January did or do I have to activate that funding every month?

Is there a way for me to only see unverified transactions?

I have two thoughts stemming from today’s show: 1. One of the hardest parts of being a young adult personally is the thought of whether I will ever be able to buy a home. I love where I live in the suburbs of Denver but it is so expensive and I am unsure how I will get enough for a down payment. I’m only 23 and in no rush to buy a home. But it seems like a l...

What is the best way to account for transactions that will come back in reimbursement? It comes out as an increase in cashflow when the deposit comes in, but in reality, it's just breaking even with what was spent. Thoughts? I just don't want to look at my cash flow and assume I have a lot more after the end of the month :)...

what is better when moving for retirement with no debt to maintain as much money assets as possible in the future? Buying with a full or partial mortgage, buying straight out or renting and offsetting mortgages with investments and SSA and military pension....

I recently purchased a 2019 car and my loan rate is 8.19% APR. I plan on paying it off ahead of time but was looking online and found a site called Caribou that says I may be able to refinance for a significantly better rate. Has anyone ever dealt with this company (Caribou)? And what was your experience?...

I have a credit card limit question. My credit card keeps increasing my credit limit even though I haven't asked and they keep doing it about every six months. It's now up to about $15,000. I surely don't need that much of a limit but just wondering if it really matters? I do not have any debt and the credit card is paid off every month. It is only used...

In another thread, Ivan mentioned "bunching" and Donor Advised Funds (DAFs). The high-level concept is to concentrate itemized deductions in one year (the "bunch" year) and then the alternate year claim the Standard deduction ("Standard" year). Shifting eligible itemized deductions out of the Standard year to the bunch year is key. 1. A DAF is one way to ...

My home insurance is dropping us in April. Tried calling several companies and they are not insuring in my area. Any suggestions in Florida for home insurance? Also should I wait until closer to April to seek one since the quote will only be good for a short time of can I get one now?...

This is a follow up to my last post as I forgot to mention I am over 59 1/2. So at this age I don't have to pay a 10% tax for converting these to Roth IRA right?

I have heard never let your emotions drive your investment decisions. In such a volatile investing environment, how do you stay calm and avoid impulsive decisions to buy or sell?

We are debt free. Praise God! And we’ve been renting for the past three years. We see a home that we like and would build. However, it would require us to take out a mortgage in order to purchase. My question is, do you suggest that we continue to rent until we can purchase a home in full or take on a mortgage?...

Question for those of you who have dealt with mountains of debt, what did you do to get out? A couple months after my husband got out of the military I was hospitalized multiple times with no health insurance. While pregnant I had to start chemo, and three months after our son was born my husband left us for another woman. I’m staring at just shy of $70k o...

Our mortgage services just changed (again). The new company has bad reviews at the better business bureau. It is changing from Mr. Cooper to Roundpoint. Does anyone have any info or tips/advice to share about these changes? Why do mortgages change hands so often?...

Hi, I'm a single mom. I'm 32 years old. I am self employed cleaning homes and delivering for apps like DoorDash. I homeschool as well. I have a traditional IRA with betterment that I rolled over to betterment from past work on base. I have a Roth with Timothy plan. I'd like to move that to betterment or eventide since I just found out about even tide. I also...

Who has used these and what for? I started staying at home with the kids while my husband works in July, so I have no income. We are in a tight spot with significant credit card debt and on top of that due to hurricane Ida/insurance issues our monthly mortgage has increased $350+ and we also still need to repair our roof. We can either do a loan with the ro...

Hello! I hear Rob mention this group quite often. Wanting to know if they are valid and reliable and consistent with their mission? Can they be trusted with information?

Does anyone know anything about private lenders?

Does anyone have insight into or thoughts about Arrived Homes? https://arrived.com/properties?_cio_id=bf9a0706c79901e8970c&utm_campaign=Arrived+Opt-In+Campaign&utm_content=sign-up-email-3&utm_medium=customer.io&utm_source=email_action

The highway in front of my home is being four-laned. They are paying us for our pond and expenses for moving my Son's mobile home. They are also paying us for land acquisition. Will we need to pay taxes on the amount of money they are paying us?...

When assigning a transaction to an envelope, I’ve almost clicked on DELETE many times versus SAVE since I go “top to bottom” in processing the transaction. Please consider swapping those as SAVE is used more often than DELETE. ☺️

Should I require the people renting a house from me to have their own Renter's Insurance policy? Is there any liability that could come back on me if they don't have one?

I am a recent college graduate. Unfortunately I chose a major with poor job outlook with only a bachelors (psychology). After taking a few finance classes as electives I am interested in seeing if a career in finance would fit me. I am wondering what would be the best entry level positions to learn the field? My top options right now are a customer service...

Are there any Christian banks or Credit Unions that could be recommended?

How do I see a report for a previous month?

Mvelope user still wrapping my head around funding. Am I correct that it really doesn't matter when you fund as long as your envelope planning matches your income?

I am a new user and confused on what I do with an income transaction. Both my husband and I get paid every other week (opposite weeks). So, we get one paycheck automatically deposited into our checking account every week. But the actual date changes every month. How do I set it up to allocate every check into specific envelopes without having to manually...

Has anyone ever heard timeshare success stories?

I recently opened a child saving account for my 8 year old girl. My husband thinks this is a bad idea because this can prevent her from getting a scholarship in the future when going to college. Has anyone heard of this or experience this. Thanks...

How do I see previous months?

How do I view my Income envelope?

My husband who is 67,returned to work full time after 4 years of being retired .The only money he has had coming in is social security. Will he be required to pay taxes on his social security check now that he’s working a full time job earning 31000 per year?Thankyou...

I’m looking for a trustworthy resource to help me.

I am interested in taking a course that will give me certification to be a budget counselor. Does anyone know of a good course they could recommend?

Is there any specific time of the day that credit card transactions download? It seems all across the board, not consistent. Additionally, I seem to need to re-connect Chase accounts a lot. My current ones have not updated in two days.

So for the very first time in my life I owe our government. Its alot, to me. So last year God blessed my business so abundantly. I was not wise enough to think hey I should make a quarterly payment....thus coming from past experiences of never having to..... Hind sight is always 2020... Anyway I am professing and believing that if God is going to bless me so...

Where can a 21 years old go to open a Roth IRA account?

How do I manually add transactions on the app?

I turn 59 1/2 later this year. I’m thinking about pulling $120k out of my 401k to pay off my mortgage. This will still leave (hopefully) about 700k left in my 401k. Is this a good or bad idea?

I did learn these are three of the leading credit reporting agencies — Equifax (www.Equifax.com or 800-685-1111), Experian (www.Experian.com or 888-397-3742), and TransUnion (www.TransUnion.com or 877-322-8228).

I just signed up. When going to envelopes I swipe I only get delete, there is no way to add amount date etc… please advise. Thanks so much!

When I get paid, do I split the transaction directly into the different envelopes or do I need to do something with the salary envelope to get my total balance to reflect correctly?

I need to get a credit report. From what I read I should get a couple from different sources so nothing is missed. Would someone please tell me how and where to get them? Just downloading this app last week I wanted to ask this here first before just Googling it in line....

Hi, I am trying to reconnect an account (not sure why it disconnected?), but Plaid wants to verify my account by sending me an email to an account I no longer have. Now what? My profile with you has the correct email address.

Hi...it would be helpful to be able to see the current balance in each envelope when on the Plan Screen. This will enable me to see if I need to add or decrease funds for each envelope item when I'm doing my budget (Plan).

Is it possible to get a report that shows the total balance of all envelopes. I used this feature in Mvelopes.

I have three problems with MoneyWise. 1) Why won’t my bank stayed connected? 2) Why do I have a negative funding balance? When I funded my paycheck yesterday it said 0.00 to fund when I was done. 3) Why do some of my transactions not keep when I allocate them to an envelope? I’ll allocate several transactions to an envelope and the next time I come ba...

My wife has a tax deferred annuity through TIAA CREF with her employer. Is there anything for us to consider about that, to possibly change?

Does anyone use Envelopes and Transactions but not the Plan feature? If I plan my month out on a spreadsheet, is creating a Plan in the app necessary or helpful in some way? I'm new here, so I'm not sure how everything works together yet. I don't want to miss anything! Thanks....

Is there a way to reconcile my accounts? Thanks.

I am self employed late 50's and would like to open accounts for my grandchildren. What are safe options comparable to a savings account that can grow and multiply over their 18 years? I'm looking to deposit annually but not 100% sure yet on the amount, it could change ea. year dependent upon my earnings. Also if there is a blog post or other podcast etc. t...

Still adjusting to the pending transactions, as they come/go till they become a posted transaction. Question - is it better to just wait to assign to an envelope once it is posted or go ahead and assign while it's pending? It confuses me a bit because I assign as pending, then it may disappear for a day or so till it comes back as posted....

New user here! How do you handle ATM cash withdrawals? For example: I withdraw $50. I use $40 for groceries. I still have $10 in my wallet. How do I designate the $10? Thanks.

I created my Feb plan but I realized that it is all set up as manual funding b/c I didn't have that portion done yet. Is there a way to delete that Feb plan so I don't have to go through and switch every envelope from manual to auto fund?...

Hi my bank was bought out. New account numbers have been issued. What is the best way to end the 1st connected account to start the new account without losing all my previous data.

How can I designate unexpected income? We received a gift and I need to assign it to various envelopes. To what category do I assign it first so I can then designate it to the correct envelopes (it needs to be split among a few)? Should I create a new income envelope?...

Has anyone list to Jim Rickards talk about the governments push to get rid of the dollar and replace it with a single electronic currency and the effects that will have on our society. Is he speaking truth or false scare tactics in a promotional ploy....

Newer user, and I'm appreciating the service so far. Here's two feature requests that would be cool to see: 1. Expanding the character limit in the transaction name. I have vendors that are longer than the limit. 2. The ability to add a new transaction from the "Transactions" page, not just the individual envelopes pages....

Hi there New user here. I've loaded in all of my bank and investment accounts, but to get a true net worth picture, etc. how do I load in my other assets such as cars, house to also capture the equity and value of such items? Thank you

Hi, Former mvelopes user here. Mvelopes allowed us to enter income as coming in twice a month...which was much more convenient for me. Faithfi is only allowing biweekly. Can you please add this option? Because Funding is set for the month--and with income coming in sometimes three times a month if things are set to biweekly--things get very confusing....

I am so confused by the Available for Funding section. Right now it show a negative balance that is equal to the amount in my credit card envelopes which I realize is debt I have not paid yet. Should that always be the case?

How do I get my bank transactions to come over to MW? Is that something that I can set to automatically happen or do I have to manually connect to my bank each time? Thanks

Hi everybody - another user from Mvelopes here! So glad for this platform and it looks great. My question is this: I figured out how to get all my balances aligned up with my former Mvelopes balances - except for my negative ones. I travel extensively for work and always use a separate envelope for that and am reimbursed every few weeks. That being said I ha...

Hi - new user here coming from Mvelopes like so many others. Learning the ropes and really like it. BUT - I had 2 deposits that came thru to my checking account and I assigned the transactions appropriately. Now 2 days later the 2 deposits don't show up under transactions and they don't show up as deposits when I look at the transactions for that spe...

Hi, another former Mvelopes user here. Very grateful to find MW! I was just curious if anybody else has had an issue with funds disappearing from one envelope and randomly transferring to another envelope? I've had it happen a couple of times so far....

My name is Michael and I am now 59 I just recently in 2022 became 100% debt free my house my vecheles are paid in full and I have no credit card debt . I have about 18 months of income saved and put away but I have never done anything to set up a retirement account. I have about 20 years till I am planning to retire. I don't want to invest in the market it i...

How do you fund a credit card envelope with an existing balance that will be paid off monthly?

Former mveloper...many of us have made the migration. Is there a way to view or even export a 12 month (forward) snapshot of future budgeting? This is a great way to visualize budgeting and planning each envelope. It is especially helpful to forecast hitting goals or even getting an individual envelope out of the red.......

I’m a past mvelopes user. With that app I set a monthly budget but was then able to create budgets with each paycheck. My husband gets checks for retirement and social security. I get paid weekly. Is there a way to set up a funding plan per paycheck or do I have to set up as a whole monthly amount....

I know the cost of healthcare for pets can be costly to cover emergencies and illnesses, but is it worth it to have pet insurance?

I had two transactions for my discover card. One was a positive 74 and other was a negative 74 for my payment today. I put both transactions in my discover envelope but only the negative one is showing up. What did i do wrong? now my Discover envelope says i need to fund it 74 dollars. I am new here and must be doing something wrong. Mvelopes always had two ...

I am brand new to even learning about the MoneyWise app! Didn't really have an idea it even existed, but do like seeing that it does. I have been a VERY long time user of YNAB, and overall, I don't have too many complaints in how it works and have developed my routine and all is OK. That is, until they keep increasing the subscription prices and make "feat...

Anyone else getting an incorrect available for funding amount showing? It was correct before today and it has been showing a negative balance on my end which is weird.

Can you split pending or placeholder transactions? I can't find a way to do so. Most of my transactions involve splits, as we have a lot of different envelopes so that we track different areas (ex. food, toiletries, paper goods, etc, all that might be in one transaction at a grocery store) If this functionality doesn't exist, is it something that might be co...

Former Mvelopes user here. Is there anything in MoneyWise that allows multiple envelope transfers like the sweep function in Mvelopes? Having to do it from each envelope to others is so time consuming. Also, you have to be in an envelope to select Transfer, but the app still asks you which envelope to transfer from. Shouldn't this at least default to the e...

When I am working to clear my unassigned transactions via credit card, I can’t tell which credit card is which, the names don’t come up on this screen (even though they are named and I can see them when I look at the Envelopes section, so there’s a lot of going back and forth between screens to figure it out). Any ideas?...

Former Mvelopes user here in need of help. It seems almost every time I try to log into Moneywise, my Chase card is no longer connected to Moneywise (I see a message “Chase Connection error, Account Login required), and I have to reconnect all over again. Any idea why this might be happening? Additionally, when I go to reconnect the account, and I go throug...

So my husband is paid monthly on the last business day of the month. I treat his month's income as funding for the next month. So for example, his Dec 30th income is really money 2/3 of January's expenses. It appears that with rollover this won't be an issue as the money will be allocated to the envelopes on the 30th and be there to use. (can someone confi...

Is there a way to connect with someone in person or over Zoom that can help guide / teach the basics and beyond of using the MoneyWise app?

Is there a way to connect with someone in person or over Zoom that can help guide / teach the basics and beyond of using the MoneyWise app ?

Wondering what the best and most secure way is to save education money for a grandchild. He is only 3 so he won’t need access to the funds in the near future. I live in Michigan if that is helpful

Is buying time share wise

I am new here, about 1 month. ALL transactions are on my screen. I would like to only see the unassigned transactions so that I know what I need to work on. Is there a way to not see everything?

Is there a way to import transactions from my credit card account into MoneyWise, because there are not syncing?

Forgot to mention that this goes back to 12/1/22

I gave to 7 different charities and paid the credit cards off. Bank shows all activities but MoneyWise app does not show any of those transactions. All other types of transactions are posting so I can balance but not the contributions. I looked into every part of the app and even tried to make sure that I had the up to date bank information using the refresh...

Which one of these should I invest in? “A rollover, a Roth, a traditional, an inherited or a Roth IRA for kids”?

I found out I can roll my Fidelity 401k i have with my employer into a Fidelity Roth IRA I have. I already did this with another past employment Simple IRA which was about $25k. I know there are tax implications but don't know what they are. I'm wondering if I will owe a lot of taxes if I roll my current 401k over also this same year before the end which is ...

Who do I use as a beneficiary on my life insurance if it's just do I use my parents or a nephew or something like that

I've only been using MoneyWise for about a month. But I feel like this is the third time I've logged in and transactions that I've assigned have reappeared in the list of unassigned transactions. The first couple times I thought it was just my memory, but this time, I know for sure I assigned some of these already. What's the deal? Are there issues with pend...

I have a $3000 CD with a rate of 1.24% and a newer $1400 CD with a rate if 3.97%. Should I close the older one to add it to the newer one? These are with Ally.

Just a warning that the automatic transaction assignments to envelopes should be reviewed from time to time. This is under Transactions - Preferences - Transaction Preferences. You can see the list of things that MW has "learned" and will auto-assign in the future. That works great for certain items, like utilities which are always the same. But if you're...

Is there any way to tag a transaction with a keyword to make for better searching and reporting of transactions?

Is there anywhere to see the total balance of all my envelopes? Clicking I’m available funding only gives me a graphic of a list of the envelope groups individual ROUNDED totals… it does not add them up for me … and on top of that the math is incorrect leading to an incorrect available for funding amount....

Hi switched here from mvelopes .. loving it so far. Was very stressed trying to find a similar app. My available for funding amount is incorrect. The total balances for each envelope group listed ARE correct and when I add them up they DO total what’s shown as in my connected checking account on the graphic. How we What’s left available for funding is show...

I just am coming on and finding that it seems all of November and some of October transactions in my manual account are suddenly gone. This account won't link with Money wise. Is this a known issue and will that information be restored?

Has anyone else’s account just randomly had money in envelope’s and a -$5000 funding?

Is there a cadence for when MoneyWise retrieves transactions? Is there a way to initiate MoneyWise to retrieve transactions? (I have tried the refresh icon on the individual accounts but that has not yet retrieved anything)

Hi, I was told to sign up for a secured credit card to help boost my credit score. Is there one that would work better and be secured? Thank you

Is anyone else experiencing issues with Fidelity? They offer a 2% rewards card (through Elon) redeemable to a brokerage account. As of Oct 17, we stopped receiving any transactions. I have another budget service (Emma) which also uses Plaid and both have this problem. We're going to switch over to using our Costco Citibank at 1%, but I hate losing half t...