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.
Women, Men, and Money. Yet another personal finance book with a telling subtitle: ”The Four Keys for Using Money to Nourish Your Relationship, Bankbook, and Soul.” In Women, Men, and Money Author William Devine goes beyond the practical ins and outs of personal finance and gets to the emotion and meaning behind money, ”showing you how to earn, spend, invest, negotiate, and communicate about money” in a way that will enrich your relationship with your significant other.
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Depending on what you expect from your personal finance software, AceMoney can take the place of Quicken, Microsoft Money, and other titles. What’s missing in AceMoney is the ability to download transactions from all major financial institutions and online bill pay. The investment reporting could be stronger, but the multiple currency support is good. Another strong point is the online user community that’s available for getting help, although the help feature in the software explains how to use all features quite well.
Accounting for Anomalies. The human psychology is complex, and it’s obviously impossible to predict every irrational move investors might make. But, those who have studied behavioral finance have concluded that there are a number of thought processes that push us to make less-than-perfect investment decisions.
In a separate section that breaks down your interest charges, you’ll see a break down of your finance charges by the type of balances you’re carrying. For example, if you have a purchases balance and a transfer balance, you’ll see details of the finance charges for each. This is because these balances often have different interest rates and grace periods. How to Pay Off Your Finance Charge. Making your minimum credit card payment, which is printed on the first page of your credit card billing statement, is usually enough to cover your finance charge plus a small percentage of the balance. However, if you’re only paying the minimum payment, your balance will shrink at a small pace since so much of the payment goes toward paying interest. You’ll need to increase your minimum payment if you want to pay off your balance faster.