CalendarBudget Blog

Personal finance matters as they pertain to saving money, living within your means and using CalendarBudget to solve your personal finance problems and to manage your money online free.

CalendarBudget To Remain Free, But Support May Take A While

CalendarBudget To Remain Free, But Support May Take A While

​I created CalendarBudget years ago to solve a personal problem - every budgeting/financial planning app out there was terrible and didn't allow me to plan my future very effectively. I created CalendarBudget to "scratch my own itch" as it were, and it continues to make thousands of people happy today. For a while, I used to charge for it and tried to have a go at working on it full-time. It was great fun and I loved creating such useful software for people, but in the end, it didn't generate enough money to be a full-time job, at least not then.

Since then, I've been running CalendarBudget for free. I make no revenue from it whatsoever. I am a Christian and part of my beliefs include giving back to the community/world and serving selflessly. Hopefully I've been able to do that. I plan to continue doing that through CalendarBudget.

I've hummed and hawed about charging for CalendarBudet again in order to justify spending more time on it for more features that have long been requested/planned (such as a mobile app, revamping the category sidebar, etc) or just answering support questions. I've considered running ads, creating a subscription, asking for donations, charging for support, or finding some other revenue stream. But, every time I do that I keep thinking that the people who need this the most are the most unlikely/unable to be able to pay even a small amount... and perhaps the most vulnerable to product advertising for things they don't really need. 

So, in order to continue serving the community/world, I've kept it cost-free and ad-free. 


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Can you get a car loan during bankruptcy if you live in Canada?

Can you get a car loan during bankruptcy if you live in Canada?

Yes! Yes, you can get a car loan during bankruptcy if you live in Canada and it's actually not as difficult as you might think. You might be thinking that creditors will run from your car loan application, but in fact, there are many lenders and creditors out there that want your business simply because your car loan would be a secured loan

A secured car loan is a safer loan type for lenders when working with people with not so great credit. Going through the bankruptcy process is hard enough as it is for obvious reasons, but please don't feel like this is the end of the world for yourself and for your credit. You can still rebuild your credit after a bankruptcy and one way to do so is with a line of secured credit.

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MS Money Long Dead, But Still Searched For

MS Money Long Dead, But Still Searched For

Microsoft Money Discontinued But Still Popular

Microsoft discontinued development of MS Money in 2009. Despite the product being discontinued, and the free "Sunset" version being crippled, About.com reports that "MS Money" is still the most searched for term in their Personal Finance forums.

Other Better Tools Now Available

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Migrating from Adaptu

Migrating from Adaptu

It's always sad to see a company close its doors.

We know Adaptu users have put a ton of effort into setting up their budget and money plans and don't want that to go to waste by having to start over again... so, we at CalendarBudget spent the day writing a special import script for Adaptu data export files.

See the article here on About.com to learn how to export your Adaptu data. Once you have your export file, go to CalendarBudget, sign up for your free account, then import your file when the Account Setup Wizard opens.

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Recovering from Holiday Debt

Recovering from Holiday Debt

If you're like most people, you spent a little more than you had planned over the holidays.

After spending your budget, there is always another must have item demanding to be bought. That leaves you with unplanned debt on top of your already larger-than-should-be debt. What to do?

The fastest and easiest thing to do is to take a look at your cash management. Yep, that means revisiting your old pal - the budget :) It's time to hunker down and face your finances. Find out what your current account balances are, how much you owe and an update on how much you are bringing in. Now take a look at where you can tighten the purse string strings just a little to make up for the over-spending.

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CalendarBudget is now FREE!!... but we need your help

CalendarBudget is now FREE!!... but we need your help

Many of you have asked why free? We'd love to share our plans with you!

Since the beginning we've wanted CalendarBudget to be free - we knew that many people have been spoiled by free tools on the Internet and any fee-based service - as awesome as it may be - will be overlooked by most people.

As you know, we are passionate about helping people with their personal finances and want to make CalendarBudget available to a wider audience... and going free was the best way to do that.

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Secrets To Keeping Your Spending In Check - Secret #3: Use a Budget!

Secrets To Keeping Your Spending In Check - Secret #3: Use a Budget!

One of the reasons we overspend is because we don't set reasonable limits on spending. Most of us just keep spending and find there is more month than money. A budget can save you from this problem.

First of all, "budget" is not a swear word, and we should not cower when we hear it. Get comfortable with it and your budget will be one of your greatest friends!

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Secrets To Keeping Your Spending In Check - Secret #2: Don't Use Cash

Secrets To Keeping Your Spending In Check - Secret #2: Don't Use Cash

Remember when you were a kid spending your allowance at the candy store? There's just something about having a pocket full of cash, isn't there? It just wasn't right if you left the store with any money. ALL of it had to be spent - after all, you worked hard for that money, why not treat yourself to the max!

However, with cash, there is no automated record of what it was spent on and thus less accountability. That's why I use a debt card whenever I can. Using a debit card allows the following conveniences:

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Secrets To Keep Your Spending In Check - Secret #1

Secrets To Keep Your Spending In Check - Secret #1

If you're like most people, when you get to the end of the month, you wonder where all the money went. This feeling comes from not having a record of where your money is going.

Several times a day we spend money and assume we'll remember it, but at the end of the month, its just not possible to remember all the little purchases, and they add up to a lot. That's why tracking your spending is so important. It makes you accountable to yourself. When you know you'll need to record purchases, you think twice about making it. It causes your mind to consider, "Do I really need this?" Often that in itself can make a big difference.

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Budget Friendly Weddings

Budget Friendly Weddings

Marriage, debt and moving your home are ranked among the top most stressful life events. A wedding often combines all three into a well-planned panic attack. Budget trends for weddings have been steadily going up, despite the economic downturn. In fact, the average wedding in the US can cost up to $27,000. There is no short supply of suggestions to make a wedding more budget-friendly, and rightfully so! Imagine what other things can be done with $27,000 to support your new married life. Since disagreements over money is still the number one reason for divorce, a couple approaching matrimony would do well to consider using a lot of that money for their life after the wedding day.

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Money Lessons Learned: Using a Treadmill

Money Lessons Learned: Using a Treadmill

I have a treadmill that most often is our largest and most expensive clothes hanger. However, I do get into spurts of desire to get in shape again and use it. Here' s what it teaches me about money:

  • Owning a treadmill makes me feel like I am doing something about my health, but if I don't use it, it's no use. Only regular, consistent use of the treadmill will keep me in shape. Same goes for your budget.
  • If I turn on the treadmill and it automatically goes.. it does me NO GOOD unless I get on an use it. If I have a tool that automatically tracks my spending -- great! but... if I am not involved with my money, that tool will do me no good.
  • No matter how fast I run on the treadmill, I am not actually moving anywhere. With your budget - you can plan like crazy, but you need to actually follow the plan. You need to adjust the way you actually spend and save your money to make your plan work.

 

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Security With Online Banking and Budgeting Tools

Security With Online Banking and Budgeting Tools

Much concern has been raised by consumers about online bank security risks - specifically using 3rd party money aggregators, such as Mint.com and Yodlee, which automatically connect to your bank and try to track all for your accounts in one place. People are asking questions like, "is mint.com safe?" If we ignore the reliability issues (which are many), and look only at the security concerns, here's the problem in a nutshell:

When you sign up for one of these services, you have to give them your online banking username and password (credentials) so they can go and collect the information from your bank for you. Budget security all of a sudden becomes a serious issue.

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Calendar Budget’s Habit Installer: the New Way to do Your Financial Budgeting

Calendar Budget’s Habit Installer: the New Way to do Your Financial Budgeting

One of the benefits of signing up with CalendarBudget is that it makes creating a spending plan and sticking to it a part of your daily routine. How does it accomplish this? With the revolutionary Habit Installer system, a series of 21 short videos and tutorials sent to your inbox every day for three weeks.

My wife Debra and I used to blame the economy, our age, or our lack of effort for our failure to create a workable spending plan. None of these factors was the main cause behind our lack of results. Instead, we had to shift how we approached our financial budgeting.

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The Case for Getting Rich Slowly

The Case for Getting Rich Slowly

Years ago, my wife and I came to the conclusion that slow and steady is probably the best bet when it comes to formulating a spending plan that will allow us to build wealth and riches. It takes consistency and learning to have a truly good wealth building system to fund a retirement, especially one that’s going to be as spectacular as ours, and we want to make our funds last (in case we live to be 100)

Below are some of the reasons why getting rich slowly is the better bet:

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3 Tips on How to Feed a Family on a Budget

3 Tips on How to Feed a Family on a Budget

My family consists of five persons: my wife and I, and our three children. When the financial crisis hit us, and we ended up “upside down” on our home mortgage, we knew we had to create a spending plan that included low-cost but nutritious food. We quickly found out that feeding our family on a budget would call for proper groundwork and restraint (on my wife’s part).

Fortunately, I received some good advice from other dads who are feeding their families on $100, $50, and as low as $45 per week. I’m happy to share these ideas with you! 

3 Tips on Going Grocery Shopping for Less 

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Is Buying a Home for You?

Is Buying a Home for You?

Owning a house has become cheaper than renting in twelve major cities, including Orlando, Miami, Chicago and Atlanta, now that interest rates are floating around the 4% mark on a 30-year fixed mortgage. 

“Home prices and mortgage rates have fallen so far that the monthly cost of owning a home is more affordable than at any point in the past fifteen years and is less expensive than renting in a growing number of cities,” states the Wall Street Journal. 

Should you include owning a home in your spending plan for the near future? Here are the questions we asked ourselves when we made that decision late last year

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How to Fit Rising Gas Prices into Your Financial Budgeting

How to Fit Rising Gas Prices into Your Financial Budgeting

Since February 1, the typical cost of regular gasoline has leapt by 28.5 cents to $3.76 a gallon across the country, and already tops $4 in some markets. Could $5 gas be looming in the future? My wife and I are already using budgeting software programs to trim our spending, and so I thought it would make sense to find ways to cut back on gas consumption, so we can have the best of both worlds.

My research turned up a lot of ways to make the rising cost of gas fit into our spending plan. I’m happy to share some of them with you:

Slow down: How you drive is nearly as significant as what you drive when it comes to putting a cap on gas guzzling. The EPA estimates a 10-15 percent improvement in fuel economy by following this tip. Also, try to get a steady speed: pumping the accelerator sends more fuel into the engine. Use cruise control wherever possible on the highway to maintain speed and save fuel.

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Getting Teens Involved in Budgeting at Home – An Uphill Struggle

Getting Teens Involved in Budgeting at Home – An Uphill Struggle
Just this Thursday I read that nearly 250 students from a high school in Newark,NJ were to have a mentoring experience with 57 employees from the Verizon Leadership Development Program. These employees were to share their life experiences and discuss various topics with the students.
 
The topic that caught my attention was financial budgeting. My happy-go-lucky fourteen-year-old does not know a thing about creating a spending plan or living within a budget. And so I decided to do some research, and come up with three different ways to teach my teen about using a budget planner to live within her means: 
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Spendthrift or Penny Pincher: What’s Your Spending Personality?

Spendthrift or Penny Pincher: What’s Your Spending Personality?

Your response to money is mainly determined by your personality, like nearly everything else in life. But have you given much consideration to how you act in regard to your finances and what effect those actions have on your bottom line? Money personalities have been examined in various ways and a lot of people can relate to aspects of quite a few profiles. What’s your money personality? Read on to find out:

Spendthrift: openhanded, impulsive and fun-loving, you don’t even know what a spending plan is. You don’t let money fears hold you back from living your life. You consequently have more stuff – and more debt – than you really need.

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Spending Plan for Valentine’s Day

Spending Plan for Valentine’s Day

With typical expenditure projected to increase over 8 percent to almost $200, the Toronto Sun anticipates romantics will be spending more this year to purchase gift cards, flowers and chocolates on Valentine’s Day. And together with these increasing costs four million people in the US are likely to ask someone to marry them or be proposed to on 14 Feb. About half of the consumers that were surveyed plan to buy Valentine’s Day gifts this year, and 46 percent plan to eat at their favorite restaurant to commemorate the holiday.

Business Wire reports that Sonali Chakravorti, Vice President at American Express, said, “Whether people are planning to get engaged, or just celebrate the holiday with flowers and a night out, consumers are telling us they can open their wallets a little wider for Valentine’s Day.”

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