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Modern technology has truly revolutionized the way people manage their life, including their financial life.

In the past, people made use of the traditional pen-and-paper style of documenting earnings and expenses and managing finances. And then, when people began to be smart with technology, many homes started utilizing simple spreadsheets.

And now, with the introduction of smart phones and tablet PCs, people are able to manage their finances anytime and anywhere with the use of free personal finance software products that can be easily downloaded from online markets.

A personal finance software is an application that basically helps you with budget planning, expense tracking, and overall finance monitoring.

Today, there is no reason to be out of control and go into debt again because there are plenty of free personal finance software products that will allow you to be up-to-date with your money, look into the future, and manage your spending appropriately.

If you’re a tablet PC or smartphone user, you’re truly lucky because looking for a free personal finance software is a cinch. App programmers and financial websites have now replied to the strong call for personal finance software by providing all sorts of capabilities and functions that can save you time and money.

If you’re trying to find the best personal finance app for you iPhone or iPad, you can check out the following free apps: Mint, Moneystrands, Pageonce, Bloomberg, CheckPlease, Balance, Moneytrackin, and Expense Manager, among others.

On the other hand, Android users can check out the following free personal finance applications for their gadgets: Nickel Tracker, Easy Money (free for 30 days), Easy Envelope Budget Aid (EEBA), Financisto, DailyCash, and Budget Book. The Mint and Pageonce software can also be downloaded on Android gadgets for free.

Personal finance software makes it possible for people to do personal accounting at any time and any place. Cheers to smartphones and tablet PCs because finance software developers became motivated to produce applications that make managing finances a convenient task.

Today, people can go grocery shopping on the fly and still stick to their budget because there are free personal finance software applications that truly guide them in managing their expenditures and overall finances.

Personal Finance Software Overview

Almost every aspect of your life deals with money – from paying the tuition fee of your high school daughter, to buying several bags of diaper for your newborn baby, to finding an affordable apartment, to paying overdue credit card bills, to buying that designer dress you’ve had an eye on, to putting some money into the bank, to investing funds into your retirement plan, and so on and so forth.

But above all these, what every individual must remember is the reality that every financial decision that you make will not just impact your life, but also the life of your family.

Personal finance software has truly grown very popular, especially with the introduction of modern devices such as tablet PCs and smartphones.

A personal finance software is simply a tool that is designed to help you meet your personal financial needs.

Today, managing your finances can be done anytime and anywhere even without the use of calculators and spreadsheets. If you shop around, in fact, you will discover that the latest personal finance software products have the functionality of both the calculator and spreadsheet, and much more.

Different kinds of programs provide different kinds of function. For example, some programs can manage numerous accounts. This enables you to organize a cash account separately from a credit card account. Because of this, your transactions for the week, the month, or the year can be tracked with ease. What is more, some personal finance software products also do offer a graphical analysis of your finances. A lot of these applications furnish a pie chart that help you see the bigger picture of all your finances. In general, all that you must do is add and subtract money. After that, you can already keep track of your income, expense, and overall balances almost instantly.

During tight economic times, you would really want to have a personal finance software that can help you gain control of your daily expenses and ultimately develop discipline along the way. Your finances can be quite difficult, indeed. But today, you never have to worry about where your money is going because there are personal finance software products that can help you with managing money.

Managing Your Finances With Personal Finance Spreadsheet

One of the biggest steps toward leading a stress-free life is financial independence.

This simply means having total control over your money – both the money that you acquire and the money that you expend. Money is a need, and pretty much like the air that you breathe, you cannot live without it.

Money is necessary to buy food and clothes, pay mortgages, pay taxes, and so on and so forth.

However, too much money is not necessary to make it through and be successful. You just have to take control of your finances with the help of some tools. If you constantly experience lapses with your budget, a personal finance spreadsheet may just suit you right. Such financing tool is parallel to the Microsoft Excel that you see on your computer, only that a finance spreadsheet is specifically tailored to meet the financial needs of an individual.

If you’re not a techie and personalizing a spreadsheet is too much like hard work, there are plenty of free personal finance spreadsheet templates available online.

Searching for a good spreadsheet template, however, can be trickish because there are lots of sploggers who are really good at cornering the search results on the Internet. If looking for a good spreadsheet template is a task, get rid of all the trouble because Vertex42.com, mdmproofing.com, and PearBudget.com let you download the best personal finance spreadsheet templates around.

Vertex42, mdmproofing, and PearBudget have a large range of spreadsheet templates and other financing programs that make life more convenient for people. You can find lots of different templates, from one that can help you create a budget for the household to one that can help you monitor your financial liabilities. They offer the best solutions to personal finance challenges that even the best online finance calculators fail to address.

You don’t really need to have the brains of an accountant in order to understand what a spreadsheet is and how to use it. All you need to have is the desire to become financially stable and the discipline to organize your finances.

In any case, personal finance spreadsheets are just software programs. In the long run, how you take care of you finances will shape the kind of future you’re going to have.

Personal Finance Management – Why Managing Your Finances Matter

Personal finance management may sound like a very serious accounting or business subject.

Well, generally it can be really complex, because with how the economy is doing, the way you manage your finances can have profound effects in your life. However, the principle of personal finance management can also be very basic – simply establish your objectives, create a spending budget, put some money in the bank, and make some great investments.

A lot of people find themselves in difficult financial situations because they forget to set a goal from the very start. Bear in mind that establishing goals is the first step to financial independence. Some good examples of goals that you might include buying a home, getting a car, saving for children’s education, paying debts in full, or saving for retirement. Try not to lose your trail by writing down your goals and put it in a place where you will always be reminded of them.

Personal finance management mainly involves budgeting your money. Budgeting generally comprises two things: establishing priorities and keeping track of monthly income and expenses. Make certain that you prioritize your budget on basic needs such as food and utilities.

If you happen to have a little extra, make a choice between satisfying a want and putting that extra in the bank. If you decide on the former, spare some for emergency. If you pick the second, it only goes to show that you can control yourself from being tempted and that you are fairly good at handling your finances.

But, not everyone is good at making priorities and saving money. To help you in your budget mission, here are some practical tips on how to avoid unnecessary spending: carry only a small amount of cash in your pocket, limit the use of credit cards, avoid going to the mall if there is nothing really important to do or buy, use discount coupons, and pay all your bills on time.

All kinds of stresses related to money can be easily overcome with good personal finance management. It makes your finances on top of things and assists you in generating wealth much easier. Are you still aiming for that designer bag that is worth a brand new car? Why not aim to invest your money on a new car? Well, if you’re not sure of what to do, go back to your goals and decide what you need more.

The Best Personal Finance Online Courses To Choose From

When it comes to money, a lot of people tend to pay so much attention on how to increase income, make good investments, claim tax benefits, or to put it simply, how to increase wealth. Some people even break their backs in college so they can have a lucrative job after graduation.

However, irrespective of how excellent your qualifications are for a great career, how you handle your finances will generally dictate what kind of future you’ll have.

Most newly graduates who become part of the workforce are usually at a loss when it comes to money management. Plenty of them feel the pinch and make a mess of their money because they were not taught in school how to properly handle their finances.

Today, this problem can be easily avoided because there are plenty of personal finance online courses that help individuals develop the skill of finance planning and management. Thanks to the sophisticated engineering of the Internet because at present, people can already study personal finance online courses even inside the home.

Finance online courses have mushroomed significantly in the last couple of years.

In fact, searching for one is just like a five-finger exercise as there are many personal finance online courses made available by some of the best schools in the world.

If your money won’t allow for a personal finance course, cheer up because the following best personal finance courses can be learned for free: Investments (MIT), Financial Markets ECON 252 (Yale University), Family Finance (Utah State University), Introduction to Economics (Utah State University), Fundamentals of Personal Financial Planning (UC Irvine), Money 101 (CNN Money), Personal Finance: Debt and Borrowing (Open University), Investment Risk (Open University), Investing in Your Future (Rutgers), Investments (MIT), Taxes and Business Strategy (MIT), Principles of Microeconomics (MIT), Finance Theory II (MIT), Financial Security for All (Michigan State University), and Economics (Carnegie Mellon University).

In general, the goal of these personal finance online courses is to provide people the necessary tools to make good personal money decisions. Every person wants to have his own home or car. But first, a person must be educated about the basic concepts of finance to make things financially achievable.