Merges your credit card charges with your bank account balances 

Organize your income

  • Collect your income in one account

  • Allocate your money into separate accounts based on how you plan to use it

  • Easily see where your money is and what it's for

Marilyn Ference is the Founder and President of Defend Your Money.  She and her husband Dave are the parents of three children and live in Salt Lake City, Utah with their dog Otto.  She is a graduate of the Eccles School of Business at the University of Utah.  Marilyn is passionate about defending money and has been working on perfecting this simple budgeting system for over 10 years. 

MC Vincent is the Marketing Director of Defend Your Money.  She most recently worked for Colorado Homes & Lifestyles Magazine and also graduated from the University of Utah in Psychology. She and her husband, Jeff, are the parents of four children and live in Salt Lake City.

My Express Debit Card Acct
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My Free Checking
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$ 5



Calculates how much money you have available

Paces your day-to-day spending

Credit Card


Manages all of your credit cards in one place

Protects you from slipping into debt



Creates lists of bills and savings goals

Organizes your money based on how you plan to use it



Calculates your list of monthly transfers 

Keeps your money organized and your credit card payments covered 

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