Your Money or Your Life’s subtitle, ”9 Steps to Transforming Your Relationship with Money & Achieving Financial Independence,” says a lot about co-authors Vicki Robin and Joe Dominguez’s philosophy about personal finance, which is that personal finance is as much as emotional exercise as it is mathematical. Your Money or Your Life was first published in 1992 and has since gone through a revised edition that brought the New York Times Best Seller into the 21st century. Robin and Dominguez give consideration to some of the most common personal finance questions: Do you spend more than you earn? Would you like to change jobs but can’t afford to?
Home Page, Budgets, Investments and Downloads, AceMoney’s home page can be configured so you can view accounts, scheduled transactions, the investment portfolio or other options. Changing home screen options is not dynamic, so you’ll need to save your data file and restart the software for changes to take effect. The homepage is quite simple compared to Microsoft Money and Quicken, but it is still a nice convenience. Budgets and Spending Categories: The budget tool is incorporated into the category list, which is a simple, sensible way of managing a budget plan. Adding a spending category is easy, but when creating subcategories, there is no drop-down list to select the primary category from so if you need to create multiple subcategories, you’ll need to retype the category name each time. If you have any typing errors when entering the primary category for subcategories, you can always edit them.
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If, for some reason, your minimum payment is less than your finance charge, paying the minimum will result in a bigger, not smaller, balance. Can You Lower Your Finance Charge Amount? Since your finance charge is based on your interest rate and credit card balance, you’ll pay higher finance charges when these amounts are high. You can reduce the amount of interest you pay by paying off your balance faster, requesting a lower interest rate, or by moving your balance to a credit card with a lower interest rate. You can also avoid finance charges altogether by paying your entire balance before the grace period ends. If you pay your balance in full each month, you’ll avoid finance charges completely.
Complete Idiot’s Guide to Managing Your Money. Don’t be offended by the title. This plainly written book shows that anybody can learn to manage their money effectively, and is full of consumer tips, advice on mortgages, debt, mutual funds, auto loans, bank fees, credit cards, and other money-related matters. The book, written by expert financial columnist Robert K. Heady and financial writer Christine Heady, has already gone through four editions and sold millions of copies.
KMyMoney supports investment accounts and can retrieve online stock quotes. Personal finance reports can be configured in a number of ways, and KMyMoney widgets can be installed to add further functionality, such as a pop-up calculator and date selection calendar. The interface looks clean, and it’s easy to navigate and less dated than some of the other personal finance options for Linux. There’s even a nifty account setup wizard. KMyMoney’s online user manual is an excellent resource that takes you step-by-step through all of its features. They’re not as numerous as those offered by GNUCash—it doesn’t have a classification function, for example—but if you don’t need all of those features, why pay for them?