Money Management and Budgeting
I am the world's worst at balancing my bank account and budgeting my expenditures. I've used Quicken, Microsoft Money, Quickbooks, and a variety of other programs, but I don't have the discipline and desire to use any of them consistently. Then I found Mvelopes Personal
. It's a comination online / offline budgeting and money management program, based on the envelope budgeting system. It allows you to download your transactions from any bank, credit card, or biller that has online access and allows you to dynamically budget your expenses to help you save and reduce your debt. It also syncs with your PDA, allowing you to see your budgeted allotments when you're at the store making a purchase. They offer a Flash tour of the program
, FREE Debt Calculator
, FREE Budgeting Book, and a great explanation of the program, as well as a FREE 30-day trial, which will help you understand how it works, more than I could explain it.