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Evaluating Personal Finance Software

By Bertrand Vogelstone

You know how to budget for food, housing and entertainment. You live within your means. Your balance your checkbook and make monthly credit card payments on time. But all of this would be much easier with personal finance software. In this article on personal finance software reviews, we talk about the factors that make up good personal finance software.

Personal finance software is something of a necessity for two major reasons. The first is that most people do not have the requisite training either from home or from school to do their own finances. The second is that most people are unable to put in the sustained kind of effort to make sure financial details are correct all the time without the help of a computer.

Good personal finance software has three features. One it is able to deal with banking transactions such as use of the check card or writing checks which enables one to keep up to date on the account balance. Two it has a calculator that can figure out tax implications for that dreaded time of year around April. Three it should have a good reporting and archival system for backing up data.

Financial software is a tool in managing monthly expenses like a phone. For example you will be able to calculate if you are paying too much every month by comparing to other plans. Find a good money management online place that will let you input your current cell phone plan information and give you comparisons with other suggested plans. You might be able to compare your phone plan with those offered to you now and choose one that will fit your requirements.

The use of financial software can help you plan big purchases by budgeting ahead of time. When you purchase sizable appliances, it can take a lot of money not only for the initial purchase but also for subsequent maintenance. Frequently, consumer sites tell a consumer to look at the energy star rating of an appliance and calculate how much power it needs before purchasing it. During the course of a year, a smart buyer can save a lot of cash on energy.

Finally, personal finance software is good for tracking insurance-related expenses. With detailed records you will be able to shop around and compare to other plans. Perhaps you can get a reduced rate on your health insurance if you are a teacher or accountant or occupy some other profession that is fairly safe.

Extra articles and topics on check register are found at the site. This website discusses how to pick out finance advisor.

categories: finance,finances,financial planning,financing,investing,personal finance,wealth building,money,saving money,money,banking

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Article Citation
MLA Style Citation:
Vogelstone, Bertrand "Evaluating Personal Finance Software." Evaluating Personal Finance Software. 15 Aug. 2010. 9 Dec 2014 <>.

APA Style Citation:
Vogelstone, B (2010, August 15). Evaluating Personal Finance Software. Retrieved December 9, 2014, from

Chicago Style Citation:
Vogelstone, Bertrand "Evaluating Personal Finance Software"

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