Skrooge’s most distinctive feature is the way it can import so many formats used by various banks. It’s KDE-based and will also run on Mac, although it may not run with Windows if you’re thinking about using it across multiple computers. Otherwise, your data can move pretty effortlessly across multiple devices. Skrooge also lends itself to more professional uses, so it can handle many small business needs. The undo/redo feature allows you to change your mind if something isn’t working properly. Skrooge works with multiple currencies and its reporting features even include videos.
The ending balance method uses your balance at the beginning of the billing cycle minus payments plus charges made during the billing cycle – which is essentially your balance at the end of the billing cycle. The number of days in the billing cycle doesn’t affect the amount of the finance charge. Having a high balance at the end of your billing cycle would increase your finance charges under this method. The previous balance method uses the balance at the beginning of the billing cycle which is also the ending balance of the last billing cycle. No payments or charges are included in the balance. The number of days in the billing cycle doesn’t affect the amount of the finance charge.
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HomeBank is compatible with both Linux and Windows. Setup can be a little tricky, but the extra effort may pay off, as HomeBank is loaded with reporting and charting options. They’re available through either the Reports menu or the main toolbar. It has translation capabilities for 56 languages and will flag duplicate transactions. You can even filter your transactions by selecting your own criteria. It may not be suitable for businesses, as it doesn’t support items such as double-entry accounting procedures. However, if you are an individual who just wants to keep a firm grip on your money, then HomeBank might be the right software for you.
The double billing cycle uses the average daily balance of the current and previous billing cycles. This is the most expensive way finance charges are calculated and is unfair to cardholders because it charges interest on balances that have already been paid. Fortunately for credit cardholders, the double billing cycle method of calculating finance charges was outlawed with the passing of the Credit CARD Act of 2009.
Conventional or Traditional Finance