I have been using the mvelopes program to handle my finances for one year now. We just got our tax bill for our home in Georgia, and I already have enough money to pay the bill! I have been saving a small portion of the total bill all year long using the program. I am glad to see it worked. I am still working out other small kinks, but for the most part I am very pleased with this financial solution and it costs less than 8 dollars a month to use.