It’s suitable for both personal use and small business needs with double-entry accounting. It operates on basic accounting principles that are easy to understand and that also ensure your books and financial calculations are kept and done right. Mac and Windows ports are available, too, if you’re not a purist, and GnuCash offers a pretty nice mobile app as well, although it won’t sync with your software. Users claim that KMyMoney is as easy to use as Quicken—in fact, that’s one of its claims to fame. But for all of its user-friendly features, it’s also a pretty comprehensive program.
If you’ve used other personal finance software, the account registers will look somewhat different with future bills showing up in the registers in a pale gray font. AceMoney supports scheduled transactions, which can be viewed in a list format or on a calendar. The bills calendar feature is a nice touch that’s not available in all desktop personal finance software. Entering Transactions: To enter a new financial transaction, click on the New Transaction button found on the left while using account registers. It brings up a window that allows you to enter the payee, the amount of the transaction, a check number and other details.
Moneydance for Linux offers several impressive features, including multiple currency support, currency rate updates, an organized home page, and backup to Dropbox. Easy-to-install extensions are available to enhance many of these features. Like most good personal finance software, Moneydance has online banking capabilities. It features graphs, reports, and a nice summary page to give you a visual feel for where your finances stand. You can use it to set up payment schedules for recurring or one-time transactions. You can also get a Moneydance app for your iPhone if you want to keep your budget with you at all times.
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.
Motley Fool’s You Have More Than You Think. The creators of one of the most popular financial stock market sites, www.fool.com, brothers Tom and David Gardner also wrote the New York Times Bestseller You Have More Than You Think. The Gardner brothers’ book aims to show how even inexperienced investors can invest the smallest amounts of money and still make a profit. Their far-from-foolish advice includes how to reduce your debt and find money to invest, how to find the best investments, how to manage your 401(k), and more. As with most of their writing, this personal finance book is a fun and easy to read.
Because there are so many finance magazines on the market, selecting the right ones to read regularly may seem daunting. I have compiled a short list that will get you headed in the right direction on your path to mastering the basics of investing and personal finance. Spend a few hours per month and you’ll pick up knowledge at a fast pace. Browse through the selection below and find one that fits your reading style.
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