With Virtual Envelopes your money is not only safe but you can access your accounts any time from the convenience of your computer at home. You will be able to see the account and sub_account balances for each of the budget categories. You will also be able to move money from one budget category to another when necessary and also move money into your checking account when it's time to pay bills. What could be better? Virtual Envelopes are based on the proven fundamental budgeting technique of Cash Envelopes, but thanks to modern technology can now provide the ultimate safe, convenient, and flexible solution for your monthly money management.
Virtual Envelope Advantage : It's Easy to Get Started _ To get started, ask your bank if they can set up your Virtual Envelope budget categories as sub_accounts underneath your savings account. There should be no charge for doing this. If your bank will not provide this service for free, check around for other financial institutions in your area, including your local credit union. I've done virtual enveloping for about 30 years through a couple different credit unions. I've also had a couple colleagues using this approach. So don't take "sorry, we can't do that" as an answer from your existing financial institution.