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.
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.
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Finance Charges You Can’t Avoid. You’ll typically only get a grace period when your previous balance was paid in full and you started the billing cycle with a zero balance. If you had a balance at the beginning of the billing cycle, you may not be able to avoid a finance charge. You will have to bring your balance to $0 before the grace period applies again.
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 average daily balance method uses your balance during the billing cycle multiplied by the APR for that balance. The average daily balance method can be less expensive compared to some other finance charge calculation methods. Your average daily balance is the sum of your balance on each day of the billing divided by the number of days in the billing cycle. Here is the calculation for the average daily balance method: average daily balance * APR * days in billing cycle / 365