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The Personality Budgeting Program organizes your bills. You enter a bill once and the
program does the rest. It's the “rest” that is the difference between what we used to
understand as budgeting and what we need today.
- Enter a bill and the program automatically predicts when it will be due in the future.
- Because the program knows what's coming it can predict how much money you need to be putting away so you are ready for he bill when it comes.
- Unfortunately things happen. An unexpected bill comes along. Instead of you having to spend a lot of time and effort trying to reorganize your budget, the program automatically recalculates and you know exactly what has to be done.
Here's how the monthly report lets you see at a glance what is happening…
The green ticks on the right show that there is enough money in the Bill Account to cover the expenses.
The red cross shows that urgent action is needed before that date or the account will overdraw.
The orange circle is a warning that your Bill Account is running low and you need to be careful.
This is where the lights come on and you find yourself saying, "I knew there had to be a better way to look after the bills".
You can also use the calendar view to see when the activity is occurring…
And there are Graphs that show you the expensive months so you can either shift
some bills to quieter times of the year or save up automatically to clear them…
By the way, if you don't want to let the computer do the work, you could do this with
a calculator and a lot of patience. You'd still be ahead of the old style budgets that
lump all the expenses together and are really based on guess and hope! Using the
“Personality Budgeting Program” simply does the work for you.
3 Questions
1. Bills don't come evenly spread across the year. What months do you have
most of your expenses in?
2. How much do you need to put aside each pay to be sure all your bills are
covered?
3. How long does it take you to recalculate the answers to question 2 when an
unexpected expense comes along?
If you can answer these three questions easily then you have your bills under control.
If you don't know the answer to any of these questions then you need to change the
method of budgeting you are using.
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