This Magical New Budgeting App Will Change Your Life Forever!

 What if there was a budgeting app that forced you to follow your budget? Sticking to your budget is one of the most difficult parts of budgeting. That’s why some investors got together and created a special app that forces you to stick to your budget. How’s that possible? I’ll explain.

The way it works is you set up a bank account with ProActive Budget and they issue you a debit card. ProActive Budget uses a real bank and is FDIC insured.

Then you use their app to set up categories for Budget Envelopes, like groceries, entertainment, etc. Once you set the envelopes up, you set a spending limit for each category. When you go shopping, you select an envelope to use. Once the money is gone from that envelope, the card won’t allow you to spend any more of your money. It’s a simple, yet powerful tool to limit your ability to overspend. It basically forces you to stick to your budget.

I was so excited to share this great idea with you that I reached out to ProActive Budget and asked for a discount for my readers. If you decide to sign up for this budgeting app, click here and use the code MOMMA$ and they will give you $5 off your membership.

A Total Solution

I’m recommending this app because it has so many great features. It really works as a full budgeting solution. It allows you to share your budget across devices with a spouse or partner. Every dollar has a job in the budgeting app and it’s safe and secure just like a regular bank account. The card works online or in any store and even in ATMs, but declines purchases that go beyond the limits you set for yourself.

Of course, the app has a monthly fee, but it’s worth it. It can really help people get their spending under control. It costs $5.75 a month for one user and an additional $2.42 per month for a 2nd user. But you can get $5 off with the code MOMMA$.


ProActive Budget has quite a few testimonials on their website showing how couples made amazing financial changes once they used the app. Here’s one user’s experience from the site:

Letisha: “We’d usually get down to $15 for a week before payday. After a month with ProActive we had $300. My husband and I both have our envelopes at any time.”

ProActive Budget is basically an electronic version of the Cash Envelope System. It works great if you don’t want to use the cash version with the paper envelopes. It definitely forces you to stay on track financially. If you decide to sign up for this budgeting app, click here and use the code MOMMA$ and they will give you $5 off your membership.

If you need help setting up a budget, click here. Learn about the Cash Envelope System here. Get your FREE copy below of The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions.

This post may contain affiliate links, which means I may receive a small referral credit at no cost to you while still providing you the best offer I’m aware of.  Please read my disclosure page for more information.

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The Modern Mom’s EPIC Guide to Easy Budgeting! 28 Page Workbook with 87 ideas to reduce expenses, 14 beautiful worksheets, 7 bonus lessons, and full, easy-to-follow instructions. Includes top advice from a professional accountant and university instructor.

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  • Reply
    shannon fowler
    July 17, 2017 at 3:42 am

    This sounds like such a wonderful app! I love that this allows for a second user. Im going to have to talk to my fiancé about us using this.

  • Reply
    July 17, 2017 at 1:27 pm

    Yes, this sounds like it would work!

  • Reply
    Casey Garvey
    July 17, 2017 at 1:34 pm

    Love this idea! So much dedication went into organizing it!

  • Reply
    July 17, 2017 at 9:57 pm

    We’ve been using the envelope system for years, before it became popular and it has helped us save money! I love the idea of an app now doing this!

  • Reply
    July 19, 2017 at 10:25 am

    Sounds like a great app…. anything that helps with money managing I definitely wanna know about it! 🙂

  • Reply
    Jana S
    July 19, 2017 at 10:48 pm

    This is an amazing thing how have I never heard of this?

  • Reply
    July 20, 2017 at 5:45 am

    We could really use a budgeting app and the ProActive Budget app sounds great! I can definitely see myself encouraging my kids to use the ProActive Budget app when they get their first job. 😉

  • Reply
    July 20, 2017 at 6:03 am

    Thanks for bring such app in my notification. Seems pretty awesome. I will use this app to set my monthly budget.

  • Reply
    July 20, 2017 at 10:01 am

    This app sounds awesome, I’ll definitely have to check it out. 🙂 Thank you for sharing!

  • Reply
    Anne Marie Carter
    July 20, 2017 at 12:30 pm

    I like that this app is so handy, that you don’t have to look for your budget binder.

  • Reply
    July 21, 2017 at 6:36 am

    Definitely trying this app. I’m always looking for ways to budget more successfully.

  • Reply
    July 22, 2017 at 12:01 am

    Good idea bc the world is all technology but I do pretty well budgeting

  • Reply
    July 24, 2017 at 11:45 am

    Wow! This sounds so helpful!

  • Reply
    neil califano
    July 25, 2017 at 9:27 pm

    Great financial app.

  • Reply
    July 31, 2017 at 7:48 am

    Glad to see that people are doing better saving between paycheck to paycheck.

  • Reply
    August 2, 2017 at 4:42 pm

    Thanks for the info!

  • Reply
    Nicole Watson
    August 2, 2017 at 11:36 pm

    That app sounds marvelous.

  • Reply
    Kathy bergman
    August 4, 2017 at 2:39 pm

    What a great idea. I will definitely be looking into this

  • Reply
    Laurie Damrose
    August 5, 2017 at 5:04 pm

    I will try this .

  • Reply
    Marisa Castillo
    August 14, 2017 at 1:37 pm

    This seems very interesting! I need to RAF more about it.

  • Reply
    Kelly@ Taking Back Summers
    August 16, 2017 at 10:54 pm

    So much more accessible for bills than the physical envelope system. I love this!

  • Reply
    Rosalee Jacklin
    August 17, 2017 at 3:16 am

    Sounds pretty neat! Going to check it out. Thanks so much 😉

  • Reply
    Margaret Sarsfield
    August 25, 2017 at 12:59 am

    wow. always wanted my own personal financial bodyguard. cool.

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