We used to say that there was never enough money at the end of each month. Now it seems like there is never enough money by the middle of the week. I am embarassed to tell you how much my wife and I paid last year in bank fees.
So like I am making our 2009 New Years resolution to put family on a budget. In the past have tried using Microsoft Money, Quicken and GNU Cash. All of them are very good at keeping track of the money you spent but they all are pretty lousy at budgeting. So I did a few internet searches and found peronal budget software called “You Need a Budget”. It looks very promising.
The goal of the software is to get you to budget and pay for next months bills using the previous months income. That way your income is always amonth ahead and paying bills and planning for your future becomes easier.
Personal Budget Software
Last week I purchased the software, imported our checking account transactions, reconciled our accounts and clicked on “budget”. The software creates a pretty good looking report of your budgeted and actual expenses. I am looking forward to using it and hopefully soon we will put our finances on right track.
I also find that being held accountable for our spending is helping us to spend less. If we could just get a few weeks ahead we will get rid of those expensive bank fees. That is my first goal, with the extra money from that we should be able to get further ahead.
Personal Budget Software
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