Budget Software – Do I Really Need It?
You can do a search on the internet for budget software and you’ll get millions of results. So many, in fact, you’ll be more confused than when you began. You can also type in the search term “reviews of budget software”, and guess what? Yeah, you guessed it, millions of results again from the many affiliates of different software vendors.
Even in those results, you’ll find some that are helpful, some that like to use the word FREE, but the bottom line is, will those programs solve your problem and give you exactly what you need? If the budget software program doesn’t give you what you need, then it isn’t right for you, even if it’s free.
What our firm has found out after reviewing and using many
software packages, is that user experience, trust, and excellent support are crucial. View full post…
Should I Create a Budget In College? – Absolutely, Learn How Here
If you don’t know how to create a budget, or haven’t been advised just how important it is to have one, then this article is for you. If this the first time that you are on your own, and you aren’t able to get a handle on the various school expenses, then you may find that college life may be difficult. Not being able to manage your money responsibly can cause financial difficulties, increased debt, and other concerns that you really don’t need to have.
You may be a very talented individual, especially in the field of study that you are pursuing, and college is expected to help you to take advantage of those talents. You need to expand your mind and learn to function as an independent and responsible adult. It’s very important that you are able to focus on your education, and at the same time, enjoy the social life and extracurricular activities while in college.
To accomplish that, you will need to create a budget that contains a flexible spending plan. That means your variable and fixed expenses must at least equal the financial resources that are available to you. Hopefully, for you, the resources will exceed the expenses.
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4 Concepts Of A Personal Budget Software Program That You Need
We mentioned a personal budget software program in our previous post that we recommend to our clients. The program is not only inexpensive, but the name really says it all…You Need A Budget. The developer of the program could not have found a better name for it, because the truth of the matter is, we all need a budget.
There are some individuals who shudder at the idea of creating a budget, and then to live within the terms of the budget, is just too much to deal with. However, you can look just about anywhere in the world today and see that the day of reckoning has arrived. For many, many years, every country, including the USA, has spent foolishly and recklessly. If the cash wasn’t there, it didn’t matter, just borrow and worry about paying it back at a later date. Well the later date is here and countries and individuals are teetering on the edge of bankruptcy.
This personal budget software program, YNAB for short, was developed with a four point philosophy as its basic rules for creating a budget. The four points in this concept are:
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