Best for Debt Payoff: You Need a Budget. You Need a Budget. Courtesy of You Need a Budget. You Need a Budget is a personal finance app that’s built around YNAB’s Four Rules. The rules – Give every dollar a job, Embrace your true expenses, Roll with the punches and Age your money – not only help you build a better budget but also help you gain control of your spending. Import transactions from your checking account and apply them to each budget category to get an accurate picture of your spending. Keep a balanced budget by adjusting budget categories if you accidentally overspend (or if you underbudgeted for a certain category). Detailed reports show you how your spending is progressing throughout the month and help you spot places that you can improve your spending. According to YNAB, the average new user saves $600 in the first to months and more than $6,000 in the first year. You can try the app for free for the first 34 days.
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.
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Deferred interest promotional offers are often promoted similar to zero percent balance transfers, but they’re a little different. A deferred interest offer will backdate interest on your balance – assess the full finance charge from the start of the promotional period – if you don’t pay the balance by the time the promotional period ends. Always read the terms of your promotional offers to know whether you need to pay off the full balance before the end of the promotional period to avoid paying finance charges on the balance. You don’t want to be caught off guard with several months of finance charges added to your balance.
How Much Is the Finance Charge? Finance charges are calculated each billing cycle based on your APR and credit card balance, so your exact finance charge will typically vary from month to month. Creditors have different methods of calculating finance charges based on how they calculate your balance. Credit card issuers may calculate your finance charge using your daily balance, an average of your daily balance, the balance at the beginning or end of the month, or your balance after payments have been applied. It’s now illegal for credit card issuers to charge a new finance charge on a balance you paid off in a previous billing cycle.
Can AceMoney Really Replace Quicken or Microsoft Money?