There’s nothing like having a great Christmas full of happiness, family and giving and then having that fire dowsed like a sugar high crash by the realization that you have a big debt that’s been multiplied by Christmas gifts.
Often it won’t manifest itself until after New Years since we’re still in vacation/party mode. But don’t let a looming sense of debt ruin your vacation and dampen your spirits. The way to overcome that feeling is to put forth at least a minimal effort to understand where you stand financially, what your plans are for the immediate future and be on a plan to execute those plans.
This is where a budgeting system helps. It will ensure you know where your money is going and where you’ll be in the near future. Once you have that assurance, your mind will automatically stop worrying about it. And if you ARE in trouble, you can take action before you make things worse.
There are lots of budgeting systems out there from paper and pencil to fully automated systems. CalendarBudget has been designed to meet the needs of budgeters to alleviate that guilty feeling and help you get on your financial track.?? Try it today - its free while in beta period - and can get you on the right path.? If CalendarBudget is not for you, at least sit down and organize your finances so you have a plan.? It can take less than 2 hours to get a fairly accurate picture of your finances, and its time very well spent.
CalendarBudget recently started a forum. One of the things we discuss there is what features/benefits you want CalendarBudget to take care of for you. You can make any suggestion regarding something you need.
We also have a list of planned features that you can vote on here –> VOTE. Items with the highest number of votes will get done first. Take a moment and vote now!
Here’s a portion of the email sent to existing users:
We at CalendarBudget love you and your feedback.
We are happy to announce that we have entered into a Beta period (for a few months) during which time access will be completely free.
We are making this move to introduce a number of new features such as auto-consolidation from bank transaction exports, tutorials and other great things that will make managing your finances even easier. The beta period will give us sufficient time to ensure that these important features are working properly and to incorporate your feedback before charging you for them.
We hope to get through this beta period soon (around February/March) and deliver these high quality features you’ve been asking for.
Feel free to contact me if you have any questions or suggestions for CalendarBudget.
Now’s your chance - sign up today and really give it a test drive for several months for free, and enjoy all the new features being constantly added.
The first step in planning your finances is to figure our where you really are today.
One of the best ways to get started is to complete a Net Worth analysis for yourself. A Net Worth analysis is a snapshot of how much you are worth financially right now. To do this, you should list all of your assets and liabilities with their associated, realistic values.
Assets are anything that when turned into cash gives you some money. Common items are: your home, vehicle, bank accounts, retirement savings (401K/RRSP), investments.
Liabilities are things that take money away from you (anything you owe). Common items are: mortgage, loan, credit card debt, spousal/child support. More…
I came across this diagram today, depicting the process of financial planning. Following these simple steps you can ensure that your current and future finances are and will be on a firm foundation.
Over the next 6 blog entries, I’ll go into detail for each point and discuss how we can plan for our future.
Feel free to add any insight you wish to the process.
We are happy to announce that you can now export your budget entries into a spreadsheet like Excel or OpenOffice.calc. You will find this option under “Reports” on the toolbar. Choose “Export Data to CSV file”. Enter the Start and End date you want to use. Then click “Export Data”. You can then choose to “Open” or “Save” your file. This file can be used to sort all of your entries (included between the dates you’ve selected).
We are also happy to announce that you can start a new account with CalendarBudget with much greater ease! You can now import your bank information the first time you useCalendarBudget.
We are very proud to announce that moneyproblems.ca has decided to endorse CalendarBudget as its premiere personal finance management and budgeting tool. CalendarBudget is prominently featured on Money Problems’ home page as a way to help those in financial trouble to get in control of their money. We at CalendarBudget are happy to be associated with such a reputable company and are excited to help moneyproblems.ca visitors better organize their money and start down the road to proper money management and wealth.
CalendarBudget is an online personal finance management tool that helps you organize your money and plan for your future.
MoneyProblems.ca provides free advice for Canadians dealing with money problems as well as detailed information on bankruptcy and bankruptcy alternatives in Canada.
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