Jul/101
Managing Your Money With Personal Finance Software
When you start managing your own money, you begin to realize how much there is to organize, especially if you have a variety of assets on top of your regular checking, savings and credit card accounts. A money manager has to be able to keep track of loans and investments, as well as spending and income. One way to make this easier if you are managing your own money is to use personal finance software.
Using the computer to manage your money
Personal finance software is designed to help you keep track of your income and expenditures, but many programs are also designed to help you organize your investments and other financial transactions. It is possible for you to update your accounts and reconcile them when statements arrive, and to make changes when you do something new. The computer can make money management much more efficient and organized.
Backing up your financial information
Computers, of course, are fallible. Sometimes they crash, and information can be lost. If you use personal finance software to help you manage your money, it is a good idea to back it up when you make changes. You can do this by putting the information on disk, or on an external drive, like a zip drive, external back up drive or a flash stick. It is important to back up your financial information so that it is not lost if your computer has problems. It only takes a few seconds, and it can save your hours of work re-entering all of the information.
If you want to be your own money manager, it can be done with a little education, and some help from a personal finance software program.
Jan/090
Mint – The Best Free Personal Finance Software Online
Mint is fresh, intelligent online money management. Not only is Mint free, it saves you money. While existing personal finance software packages require hours to set up, a passion for accounting (is that possible?) and hours of weekly maintenance, Mint is virtually effortless.
With Mint, you can achieve better online financial management in less than five minutes. After that, revolutionary, patent–pending Mint money management software does the rest, with virtually no more work required. It automatically pulls together your bank, credit union and credit card data, and provides up–to–date and amazingly accurate views of your financial—life from the big picture to specific details, in a friendly and intuitive way.
In addition, Mint goes beyond visibility and analysis providing personalized money–saving and money–making suggestions. Mint provides users an average of $1,000 in savings opportunities during their first session. Plus, Mint is proactive—alerting you when you are exceeding your personal budget, have a low balance, need to pay a bill, and more.
Mint is safe and secure online money management: we never know your identity and we provide bank–level data security.
How Mint works
Mint is a modern, powerful, easy and secure Web–based solution for online financial management. And it’s free. You register anonymously using any valid email address, and then add the log–in information for the online bank, credit union, credit card and investment accounts you want to consolidate in Mint.
Mint connects to more than 7,500 US financial institutions. Your account information is updated daily. Mint automatically categorizes all your purchases, showing you how much you spend on gas, groceries, parking, rent, restaurants, DVD rentals and more, with amazing precision. Mint automatically analyzes and graphs your investment performance, showing you how you’re doing versus relevant market indicies like the S&P 500 and highlighting the fees you’re paying in each of your accounts. Mint’s advanced alerting system sends you email or SMS messages (your choice) on any unusual activity, low balances, fees and upcoming bills so you’re in constant contact with your money — effortlessly.
Mint goes way beyond just reporting and budget tracking. Using a patent-pending search algorithm, Mint constantly searches through thousands of offers from hundreds of providers to find you the best deals on everything from bank accounts to credit cards; brokerage accounts; and more. Mint’s suggestions are unique to you — as they’re based on your individual spending patterns. For example, if you have $20,000 in a bank account that’s earning no interest, Mint’s certain to find and recommend a high interest bearing savings account for you. Acting on that suggestion could give you an extra $900 in interest income over a year.
Key Benefits
You don’t work for Mint, it works for you. It’s an entirely new approach to personal finance software management. The over half a million Mint.com users tell us they love Mint because it’s:
- Easy to use: You’re up and running in less than five minutes. And Mint does virtually all the rest.
- Comprehensive: Mint provides visibility into virtually all your financial relationships with a single, secure login.
- Visual and Analytical: Mint gives you powerful insights into your personal finances making–it easier to practice smart financial management.
- Constantly working to find you savings: Mint typically finds users $1,000 in savings opportunities in their first session—minutes after registering. And Mint keeps looking for new ways for you to save every day—continuously comparing your needs to product, service and bank offerings most relevant to you.
- Secure: Mint provides bank–level data security and industry–leading identity protection. Its security and privacy have been validated by VeriSign and TRUSTe.
- Always On: You’re automatically notified of upcoming bills, low balances, and any unusual activity in any of your accounts through one (m)interface.
- Anywhere/anytime access: You can get to Mint anywhere, anytime over the Web.
- And it’s Free!
To Learn More about this software Visit Mint.com
Jan/090
AceMoney – Free Personal Finance Software
AceMoney Lite
AceMoney Lite is a freeware personal finance sotware manager. It has all the features of its big brother except multiple accounts management. As AceMoney, AceMoney Lite helps people organize and manage their personal finances quickly and easily. It supports all the features required for home or even small-business accounting needs:
Track your spending habits and see where the money goes
Generate any report by categories or payors/payees, including pie charts. Now you can see at a glance how much you spent on food last month. Find all your withdrawals and deposits by any parameter.
Create and manage budgets
The program has more than 100 predefined spending categories. Setup budget limits for every category and track the difference between actual and budgeted values.
Track performance of investments
Track 401k, Stock options, Employee Stock Purchase Plans or any other investment activities. You don’t need to enter the stock quotes manually: AceMoney will download them from the net!
Do your financial math in multiple currencies
The software supports more than 150 different currencies and automatically downloads their exchange rates from Internet.
Enjoy the convenience of on-line banking
Download and import information from on-line banks in QIF and OFX formats. If you run a small business, export to HTML, Text, or CSV formats to generate statements or perform complex statistical analysis.
Don’t miss the next deadline for bills
AceMoney takes control over your bills and shows you when they should be paid.
Double check
Enjoy the security of password protection of every file, scheduled backups and many other features without having any experience in accounting!
Plan debts and mortgage payments
AceMoney provides a loan calculator to plan debt payments and a professional mortgage calculator to estimate future morgage payments if you are planning to purchase real estate.
Do e-business with AceMoney
Are you selling goods on eBay? Are you in a shareware business? Do it with AceMoney! AceMoney automates input of orders coming from PayPal, RegNow, RegSoft, SWReg and Plimus.
On top of that, AceMoney is available in English, Dutch, French, Galego, Italian, Lithuanian, Polish, Portuguese, Russian, Spanish, Swedish, Ukrainian, Slovak and Turkish! People all over the world use AceMoney for their personal needs.
download: http://www.mechcad.net/downloads/AceMoneyLiteSetup.exe
homepage: http://www.mechcad.net/