Do any of these apps acutally help a client plan their purchases and balance their budgets? Planning your purchases and tracking what you've already spent are two different animals. A much better product in my experience is Mvelopes by Finicity (www.Mvelopes.com). I've been using it for years and it enables me to truly manage my money the way I want to. Unless you own stock in a debt-service company, give your clients something that can really help them.

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