It costs $15,000 but you only have $5,000 in your savings account, and the trade in on your old car will get you only about $6,000, which leaves you about $4,000 short. Let’s consider an example with a new car you want to buy. It’s a lot easier than opening up real envelopes to see what’s inside! What is a budget?Ī budget is a plan that shows what money you plan on spending. You can even set up an allocation plan so each paycheck can be automatically distributed to your envelopes.Īll your envelopes and their balances are always on the main screen - A glance tells you if you have enough money to pay the bills. When you get paid, you will distribute the money to your envelopes to fill them up again. If you receive a claim reimbursement from your health insurance, you will make a deposit into the “Medical” envelope. When the mortgage bill needs to be paid, you will record the check from the “Mortgage” envelope. With Budget you can create virtual envelopes for your expenses and set aside your money into those envelopes. It was a simple but effective way to ensure that their bills were paid and that they lived within their means. When a bill was due, the money was in the envelope to pay it. Your grandparents may have used the envelope method by distributing their money into real paper envelopes marked with the name of the expense i.e., electricity, food, rent, etc. Our products Budget (available for both Mac and Windows) and Budget Touch (available for iOS) make use of the envelope method of budgeting. Reconcile Accounts - Mac PDF | Windows PDF Just want to use Budget for standard account management to record transactions and balance your checking account without creating expense envelopes?.Expenses Only - Mac PDF | Windows PDF Just want to track expense money without managing your real world account? You may want to simply replace those physical envelopes you may be using.They'll learn to set aside money BEFORE they spend it. For Parents: Child Allowance - Mac PDF | Windows PDF Teens & Grads - Mac PDF | Windows PDF Want to teach your child, teen, college student, or grad how to manage money and stay out of debt? Use a program that is visual, fun and more interesting than a boring spread sheet with a bunch of numbers.
You will find it easy to stick to your budget when you pay your budget first. When you get paid you simply enter the pay and Budget does the rest. You define your expenses and preallocate future income deposits directly to your envelopes. Full Featured - Mac PDF | Windows PDF The real power of Budget is the ability to set up your budget plan in advance.
When you get paid you will manually distribute the income to your envelopes.
You Balance your account, print checks, and view your checkbook register.
Basic - Mac PDF | Windows PDF Use Budget to manage your real world checking, savings, or even credit card accounts at the same time as you're managing your expense envelopes.
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