Money Magazine: This monthly publication does a fantastic job of profiling real people and the financial steps they can take. They offer solid advice for all income levels. But when they start talking about the ”5 Funds to Own Now” or other such commercialized headlines, just roll your eyes and flip the page. The financial planning industry has a saying for those types of headlines; we call them investment pornography.
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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In fact, you may be very comfortable with the business tools and roles suggested in this book, like having a family business plan, a Board of Directors, and a Chief Financial Officer. The book’s primary aim is to show couples how to use these corporate tools to reach their money goals while minimizing the emotional conflict and anxiety that can affect couples trying to manage their money together. The Unofficial Guide to Managing Your Personal Finances. Though now several years old, this practical, easy-to-understand guide to managing your personal finances is still relevant. Written by Stacie Zoie Berg, this book includes basic information on credit cards, banks, investing, insurance, buying a car or home, taxes, financing college educations, retirement planning, estate planning, and more. It is an ideal personal finance book for those who are in the early stages of taking control of their money and planning their financial future.
Best for Wealth Management: Personal Capital. Personal Capital. Courtesy of Personal Capital. Personal Capital is a personal finance and wealth management app that allows you to manage your assets and investments along with your everyday spending accounts. The service integrates with more than 14,000 financial institutions so you can link your accounts within the app. While you can connect to your bank account to track spending and create a monthly budget, the app really shines in helping you track and optimize your investments. You can track your portfolio by account, asset class or individual security. With built-in intelligence available on the tablet version of the app, you can discover opportunities for diversification, risk management, and discover any hidden fees you may be paying. Comparing your own portfolio to major market benchmarks allows you to determine whether you’re on track to meet your investment goals. Personal Capital provides registered financial advisors who can provide you with customized advice tailored to your goals.
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.