Budgeting Utilities

Different types of budgets

These websites help to better explain the different types of budgets that are in use in the world and how the application of these budgets can greatly help a business, family or individual put their financial matters in order. These websites give very basic information but provide links that allow the user to become better informed if they wish.

Top Online Resources:

  1. What types of Budgets do Businesses Use?
  2. Identifying Types of Budgets
  3. Budgets

Free Personal Finance Tools

A major problem faced in people’s life is concerning their own personal finances is maintaining the habits that have already been learned. Many have spent hundreds of dollars to learn practical personal finance habit. A good resource for maintaining these habits is by using Free Personal Finance programs online. This is what was found after researching on various occasions and looking at comparisons on several sites: A good personal finance program will help users manage their finances (obviously), see where their expenses are coming out, and aide the site-user to be able to maintain good financial habits.

Quicken and Money, are great programs, that have many tools at their disposal. Quicken and Money, were used as templates for sites that provided the tools necessary. Sites that were recommended to be easy to use were also recommended. Finally I looked for sites that were recommended to be easy to use. Yahoo! Personal Finance (a great resource of its own) allows users to simply use the calculations sections of the site to run quick calculations on their budget. The other two sites require users to be members, but are able to record all financial information that is entered into the website, either through daily updates from your personal bank or through manually entering the information onto the site.

Therefore, there are enough free services online that it is unnecessary to purchase Quicken or Money for your personal and family expenses. However these programs might be better if you are running a small business.

Top Online Resources:

  1. Financial Calculators from CalcXML, LLC.
  2. Mint
  3. ClearCheckbook.com

The finest computer budgeting program available.

When choosing a computer budgeting program to use, there are many things to consider. First of all, you need to decide what type of transactions you want to track. The three big options are personal, health care, and home business. Depending on what you need to track will affect what type of program you should buy. Another option to consider is if you want an actual software program or an on-line one. A third option to consider is price.

The most well known source is Quicken. With Quicken you can customize your choice to specifically meet your consumer needs. Quicken has an option to "help me choose." You tell Quicken what type of information you want to track and Quicken will tell you what program you should buy. There are many options available with Quicken, which is nice.

Quicken also offers the most user friendly program for personal use. Many other programs are specifically for businesses use. Most consumer needs are based on a need for a personal expense tracker and not necessarily one compatible for a business, which is another reason why Quicken is recommended by so many people.

Top Online Resources:

  1. Quicken
  2. Budget Maestro
  3. Clarity Systems

The finest EXCEL program available on the internet for personal budgeting

An important step to controlling your finances is keeping a budget. There are several different ways that a person can set up their own personal budget. One way is by using Excel spreadsheets. These spreadsheets allow you to set up formulas and equations that will adjust according to any information that is placed on the spreadsheet.

There are many websites on the internet that have spreadsheets that are already set up to help you start your budget. These can vary by how much information you feel like tracking. These sheets can be very useful for people with little experience in Excel because all of the formulas are already set up. Also it helps to give ideas of the things that you might want to keep track of.

In making a decision of what spreadsheet you want to use it is important to think about the things that you actually think are important to track. Also if it is hard behaviorally to keep track of many things you may want to go with a more simplified form so that you will stay motivated in budgeting.

Top Online Resources:

  1. BYU Budget Help
  2. American Consumer Credit Counseling
  3. University of Western Sydney

The finest EXCEL program available on the internet for use in personal budgeting

Most large firms and companies have financial departments with professional accountants and advisors to oversee the annual finances and budgeting of the business. Most small businesses do not have the luxury or resources of big businesses, and cannot hire trained professionals to handle all of the financial information.

Because of this, most small business owners tend to take care of their own book keeping and financial analysis with the help of software programs like Microsoft EXCEL. In addition to the Microsoft EXCEL software program, there are additional programs available to aide financial analysis specifically for small businesses. The following is a review of a few web sites with the best quality content regarding EXCEL and other small business finance programs. The information found on these sites can help small business owners make an educated decision as to which financial software program best suits their needs.

Top Online Resources

  1. http://financialsoft.about.com/od/reviewsfinancesoftware/Software_Reviews_Personal_Finance_Software.htm
  2. http://www.allbusinesstools.com/personal.finance.review.htm
  3. http://www.thebestusasites.com/3/software-finance.html#