[marglo]

Mvelopes is a budgeting system where all transactions from all your online accounts..and most banks/credit card companies are online these days are automatically downloaded into your budget. The name comes from the fact that virtual envelopes are used for each category. Yes there is a fee but it is cheaper if you can pay it for a year. However, I have always paid by the month unfortunately. I won a free year too by telling them about our experience with it! I do not think I will feel so much need of it after I get our finances more simplied and have fewer accts but for now I really like it. I have found another budgeting software that I intend to use which is very simple and has some features I like that even Mvelopes doesn't have and I intend to switch to it after I get things simplified.

To get to your questions though: Mvelopes, the budgeting system, does not pay your bills but they also have Mvelopes BillPay which you can use to pay bills. This is included in the fee and it works quite well. Most of our bills are paid by auto payment either from our checking or to a credit card, but for those few that are not, I do use Mvelopes Billpay.