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.

Four Universal Budget Blunders and How to Prevent Them from Happening to You

Four Universal Budget Blunders and How to Prevent Them from Happening to You

We often hear about cases like this....

My family follows a strict monthly budget. My husband and I have worked out a spending plan that works well for us and our three children through our years together. We have certainly made our share of money blunders along the way, because finding the exact budget structure for a family is often a sequence of trials and errors. I’d like to share some of these mistakes with you, so you don’t end up in the same boat:

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Having the Courage to Succeed

Having the Courage to Succeed

Knowing which path to take in achieving your Financial Freedom can seem quite scary at times. Imagine going on a road trip with your family. You set the destination, you map out where you want to go, you pack everything you need....and you're off! Half way into the trip you find that there is major construction going on and you see a sign that says "DETOUR AHEAD". You accidentally take the wrong turn and by the time you figure out where you are, you're over an hour away just to get back on route to your destination.

Achieving your Financial Freedom can seem a lot like this. At times things can come up in your life that you weren't expecting, and in the process of trying to do the best that you can, you wind up taking a wrong turn. It can be frustrating, scary, and even nauseous at times. However, having the Courage to Succeed you can be confident in knowing that you will reach your destination.

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Having All the Money You Need

Having All the Money You Need

It wasn't long ago that I remember striving to make ends meet. I was using what Jim Rohn calls the "Cross-Finger Theory", which never worked. It seemed no matter what I did, no matter how hard I tried, I could never seem to have enough money to pay the bills, or go out to dinner with friends, or be able to buy gifts for family and friends on their birthday's, or during the Holidays.

Then one day, I walked into a vintage book store and came across a book called "Having all the Money You Need". It was an old, yet simple read. It was a christian-based book that looked like it had been read many times over. It was written in the 1970's and I was so shocked how relevant its teachings were still to this day. In this book, laid foundational principles that has changed my life forever.

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Goal Setting: Putting your (family's) money on it!

Goal Setting: Putting your (family's) money on it!

I'm a goal setter, but don't like the drudgery of traditional goal setting. Also I feel that I am not the ideal person to identify my worst flaws and prioritize them. The best people to do that are those around me most - my family. But they don't want to offend me - so I invented a way to get them best feedback with them feeling like they're going to offend me (and this works for everyone).

Here's the plan:

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Non profit debt consolidation - An easy way to pay off debt

Non profit debt consolidation - An easy way to pay off debt

With the rise in the level of US national debt, an increased number of people are turning to professional debt reduction companies for help. A huge number of people in America can't deal with their ever increasing debt load. With the rise in the rate of unemployment, there is less cash in their pockets to even pay debt reduction companies. Here arises the need of a debt reduction company that offers services free of cost. A debt consolidation non profit company can help you realize your desire of seeking debt help free of cost. There are multiple benefits of such companies. Read on to know about the various benefits of non profit debt consolidation.

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Debt consolidation - Is it a good idea for erasing debt?

Debt consolidation - Is it a good idea for erasing debt?

If you're drowned in a huge amount of debt and are looking for ways to get out of the same, considering debt consolidation may be a viable option. But the question lies as to "Is debt consolidation good?" If this is the question that is bothering you, then you need to review the options prudently before consolidating your debts. Debt consolidation is a good option if you're struggling with multiple debts. You can combine all your debts and make single monthly payments to only one creditor. Debt consolidation involves many options like debt consolidation loans, balance transfers, credit counseling etc. Read on to know more about it.

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The Financial Benefits of a College Education

The Financial Benefits of a College Education

Heading to college to get a degree can have a large number of benefits. Students are able to make new friends, have unique experiences, explore their interests, learn more about subjects that interest them and expose themselves to new cultures and walks of life. Of course, the benefits of college aren't just social and academic-- there are some pretty serious financial boons to be had from a college degree as well. Those with a college degree will be able to pursue a number of different professions and will find themselves qualified for higher salaries and promotions, doors that might otherwise be closed to them, and will make significantly more over their lifetime as a result. While college can be a significant investment, especially if you're attending a private school or don't have scholarships, it is one of the best ones you can make and one of the smartest uses of money out there. There are few better ways of illustrating this than simply looking at the numbers.

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Back to School - Leaving the Comfort of Home

Back to School - Leaving the Comfort of Home

I have 5 daughters - all in primary school. Today we brought them to school for their first day in a new grade. One of my daughters, an identical twin, began crying as she realized that she would be "on her own" (they put my twins in different classes this year). Mother comforted her and a friend helped bring her to class. I know she'll get over it, but its still painful to see.

It made me think of how youth must feel after years of the comfort of living with parents who are in their later years of career growth and income. They grow accustomed to the lifestyle of having most of what they want. Then they get out on their own. Perhaps its the first year at university or they get married and get their own place to live. All of a sudden that economic boost from mom and dad is gone and the reality of "being alone financially" hits them. Many run back for help, crying.

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Wesabe Personal Finance is dead - CalendarBudget is Growing

Wesabe Personal Finance is dead - CalendarBudget is Growing

Wesabe, one of the original online personal finance tools has died. We are sorry to see them go. They offered a compelling service and were an inspiration to us, the creators of CalendarBudget in several ways.

We invite any previous or current Wesabe users to try CalendarBudget as a replacement, a fresh and innovative way to manage your finances. CalendarBudget is a growing service and we are confident that anyone who tries it will fall in love with its simple to use and productive interface.

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CalendarBudget featured in Finovate article

CalendarBudget featured in Finovate article

Jessica Ward, freelance writer for NetBanker wrote an article about CalendarBudget updates since we presented at the Finovate 2009 conference. Check out her article here.

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Get All Your Personal Finance News in One Place

Get All Your Personal Finance News in One Place

Introducing the new Personal Finance blog aggregator - get all your personal finance news in one place:

http://blogs.calendarbudget.com/

If we're missing an important blog that you follow, let us know and we'll have it added.

Enjoy!

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CalendarBudget Testimonials

CalendarBudget Testimonials

Check out the following testimonials from CalendarBudget users:


Simply Amazing

Wow! I've just spent an hour setting up my transactions, history, upcoming transactions, notifications, and accounts and I've got to say that this app is obviously build by people who actually use it. Thank you for creating Calendar Budget. I discovered it less than 24 hours ago and have already recommended it to friends and family. This is exactly the budgeting tool I've been looking for all my life. In fact, I found it because I was looking at my Google calendar and the cashflow I created in Excel and was thinking there must be some way to merge the two and make it work.

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March Break Fun Affordable Ideas

March Break Fun Affordable Ideas

If you're deciding to have a stay-cation or even want to find some fun ideas to do during down time on your trip you might like the following:

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CalendarBudget Release Cycle

CalendarBudget Release Cycle

If you've ever wondered how CalendarBudget (or any high-quality web application) is developed, or how we add features to CalendarBudget, this blog post is for you!

CalendarBudget goes through extensive and exhaustive test cycles. Pictured here, our co-founder and quality control person (tester) Robin, is testing CalendarBudget. She uses 5 machines simultaneously which help cover testing on various browsers (IE6, 7, 8, Firefox 3.0, 3.5, 3.6, Safari 4 and Chrome). After I go through a development period, Robin's exhaustive testing makes sure that CalendarBudget is of the highest quality. Often testing takes longer than the development of the feature -- making sure it works everywhere, under many possible circumstances. I sit on the end at the empty chair and fix any problems that Robin finds, with the goal being to make CalendarBudget the highest quality, bullet-proof personal finance system available -- and to find and fix any problems that would be a detriment to user-experience.

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Is the Art of Customer Service Dead?

Is the Art of Customer Service Dead?

I had an unexpected experience today.

I went shopping with my husband for a new watch for each of us or at least a new battery for his existing hanging watch which can be quite difficult to replace. We arrived at a well known department store, Walmart, when they were already open for about 2 hours, they were in the middle of their morning motivational meeting in the middle of the store. I feel that's something that should happen behind closed doors and not in the customers faces. We felt very uncomfortable walking around, right beside them as they were chanting whatever motivational Yahoo! remarks they were saying. I have to admit, I tried hard to block it out.

We had to go ask for someone to help us, since the jewelry area had been abandoned for the meeting.

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New Tutorial Videos

New Tutorial Videos

We've created 2 new tutorial videos:

  1. Budgeting With Categories
  2. Reconciling Your Bank Account

I encourage you to take a look at them and see how you can make your budgeting experience more efficient.

To watch the videos, login to your account (or click on the demo account from the home page) and click on the toolbar Help -> Video Tutorials.

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Money Lessons Learned: Kids Allowance

Money Lessons Learned: Kids Allowance

Here's what an allowance can teach a child about money management:

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Money Lessons Learned: Nintendo Wii

Money Lessons Learned: Nintendo Wii

We bought a Nintendo Wii as an early family Christmas present. Its been TONS of fun so far. Here's my Wii-learned lessons about money.

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Time is Savings Mondays: I know I spent $44.95 on something...

Time is Savings Mondays: I know I spent $44.95 on something...

In a budgeting program like CalendarBudget, which tracks every transation, finding a particular one can appear to be daunting if you don't remember when it occurred.

With CalendarBudget you can search for transactions by either the title of the entry (such as "Restaurant") or by amount (such as "44.95"). Now maybe you don't remember the full name of the cents part of the transaction. No problem, you can use the * symbol as a wildcard in the search term.

For example, if I had a transaction called "Dinner at restaurant" for $44.92, the following search terms will find that transaction (and possible others like it):

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Finances on Sundays

Finances on Sundays

I was just reviewing my web traffic stats and noticed that almost like clockwork, each Sunday there is a very marked dip in visitors to CalendarBudget. I wonder if this is because there are lots of people holding to the virtue of not shopping on Sundays, or if people are just less interested in their personal finances on Sundays.

Opposite of that, the upward spikes seem to happen almost randomly on any non-Sunday-- probably the busiest shopping days.

Do you tend to take it easy on Sundays when it comes to your finances?

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