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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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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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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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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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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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 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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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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