Easy Way To Keep Up With Your Money

I have never been really good at budgeting. I always thought budgeting was hard and got frustrated with trying to figure out how to portion out my money.

I have tried several money management programs through the years including Microsoft money when it first came out years ago.

Back then everything had to be put in manually and I would always end up forgetting to put something in and get confused when nothing matched. Or I would just get frustrated with tying to set it up so I could actually see where it was going.

I tried a couple of other programs last year and though they have improved a great deal in the last few years (you can now download all your bank info) they still seem too confusing to me.

I could figure out how to track my checking pretty easy with all of those programs.  Unfortunately figuring out how to get all the other accounts (savings, credit cards, cash) on there so I knew where all my money was and what it should be used for was just frustrating and I gave up.

Logo for You Need A Budget.

But then I saw a post about the You Need A Budget software.  I downloaded the free 34 day free trial and got it all set up within an hour or so. It only took that long because of putting in ALL my accounts at one time. I wanted to get it all done and over with.

What I really really like about this program is that it has a separate budget section.  The program allows you to set accounts as being either on the budget or off the budget. If it is on the budget then it shows on your budget page. If the account is off budget it doesn’t show on your budget page and you manage it separately.

So I can see everything that affects my budget in one place. I have it set up with master categories for things that have to be paid each month (mortgage, water bill, electric), things that are optional (cable, phone), things that need to be paid quarterly or yearly (insurance, taxes), and things that we are saving up for (new car, emergencies).

One of the best things about this program is that you are NOT supposed to budget any money until you actually have that money in your hand (or account).  At that time you add the income to the program and figure out what you need(or want) to use the money for. I have a category for dinners out…just because I like eating out occasionally and I would feel deprived if I couldn’t do that at all.

That makes it much easier to figure out how much money you can spend or if you even have any discretionary money. One of my problems always was forgetting what needed to be paid and spending too much on something else.

Now I can set up the budget and see exactly how much is needed where. I am loving this program and I went on and bought my very own copy. You can use the program on multiple computers or on a mobile device as long as all of those are for your own use. So if you are out shopping you could check your budget to see if you have money while you are in the store.

You can download a 34 day free trial of the software here if you would like to try it out yourself. If you decide you like the program and decide to buy it (like I did) you can get a discount by coming back here and using this $6 off link.

Their website has some really good tutorials that walk you through just about everything you might want to do with it. And a great support section too.

Secunia PSI Keeps Your Software Updated

Secunia PSI Keeps Your Software Updated

Secunia LogoSecunia Personal Software Inspector is a wonderful security program for your computer. I did a review of the older version a while back. The older version still works just fine and you can keep using it if you already have it and don’t want to update.

The newer version –PSI 3.0 is even simpler to use and works faster. It was easy to install as well. I just downloaded the installer and it uninstalled the old and installed the new…easy!

What this program does is make a list of all the programs on your computer and every so often it does a check to see if the version you have is the latest version. If not it will either automatically update(if you set it to) or tell you that your program needs updating.

I love this program. It especially helps with the adobe flash updates. When I do them myself they always seem to mess up but when PSI does them it works just fine.

I like not having to worry about whether my programs have the latest security updates. And not having to open each program and update it separately.

For more information you can also read this PCMag article.

You can visit Secunia on Facebook and Twitter too.

My Memories Suite Digital Scrapbooking Software Review and Giveaway (closed)

My Memories Suite Digital Scrapbooking Software Review and Giveaway (closed)

My Memories SuiteI have never done scrapbooking before so I was hesitant to accept an offer to review the My Memories Suite digital scrapbooking software. They claimed that it is simple enough for beginners to use but powerful enough for serious scrapbookers.

Since I am definitly a beginner the simple bit would have to be true for me to accomplish anything with it.  I can’t say for sure just how powerful it is because I don’t know enough about scrapbooking. I can say it was simple and easy.

I managed to do two separate projects. One using pictures of my stepson that my hubby will probably like. He might get that for a Christmas present.

I wanted something to post on here too so I made a page with some of my fur babies. My fure babiesI had fun playing with all the different shapes and little decorations you can add.

It took me a bit to actually pick something and stick with it. There were so many different backgrounds and colors and wallpapers to choose from.

And different fonts and text sizes and picture shapes and little bows and bubbles and thingys! I didn’t actually look at every single thing you could put on there…it would have taken a lot longer than I had for this review!

You can use this digital scrapbooking software  for traditional scrapbooking. The pages can be printed out and added to a book. Or you can do a digital scrapbook which can have audio and video as well as pictures. The scrapbooks can be turned into movies to share on DVD or iPod.

This would be a great program for anyone who loves scrapbooking. Or for designing picture displays for your walls. My babies are going to get printed out and put in a frame for my living room wall. Someone really creative could do a lot more with this than what I managed.

I had fun with it though. The only problem I had was figuring out how to make it crop my pictures (most of them were too big to start with). That turned out to be really simple  too-just double click the picture!

Click to buy My Memories Suite. Use code: STMMMS67223 for a $10 discount and a $10 coupon to use in their store.

My Memories is offering one of my followers the opportunity to win a free copy! This is a worldwide giveaway so anyone who can download the program can enter!

Just enter on the Rafflecopter form below. If the form isn’t showing please refresh the page.

I received a free copy of the software for review purposes. No other compensation was given.

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