Everyone has different tastes and want different features in their budgeting software. Some might feel they rather just put it on a piece of paper with a calculator or use and excel spreadsheet. Here are a few budgeting software programs you can take a look at. They are in no order. Make sure to look at the features that you want and see which program fit your needs.
- MySpendingPlan - A free online budgeting software system that works on the ‘”envelope” system that I have talked about in saving and budgeting your money.
- SimpleD - Its an open source program, which is free, the screen shots look pretty nice.
- AceMoney Lite - I have tried this program before for personal finances, but I have upgraded to Microsoft Money when my company I used to work for offered it for $10.00
- PearBudget - A great looking excel spreadsheet.
- Yodlee MoneyCenter - Offers spending categories to help you plan your budget and spending
- Buddi - You must have Java installed on your computer for this one to work, but a nice program
- Budget Master - A free personal budgeting program it includes charts and more
- Budget On Web - More Business oriented than personal, but you might be able to make it for for your personal needs., it is a “free online system that integrates project management with contacts management and financial tools.”
- Mo.neytrack.in - Another online program that lets you track your expenses
- Grisbi - A free open source download for personal finances.
What programs do you use to budget with? I personally use microsoft money because I got a great deal on it. What do you use and suggest?
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If you seem to be a person that likes to swipe your bank or credit card a lot and it gets you into trouble with overdrafts, then you might want to try this idea. Create a budget and write down how much you want to spend on everything you do, groceries, gas, shopping, gifts, ect. Now, when you get paid take out that money out of the bank in cash. Put the cash in separate envolopes and only use that money for the task assisned. So if you have $100 for groceries you take that envelope with you to the store and you only buy food that you can get for that $100, you pay in cash and now you have not over spent on your budget. Just a quick tip.
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