This is John.
One evening John was so frustrated with his budgeting that he started searching for FREE budgeting help on the Internet.

He quickly found that there were lots of budget planning sheets and spreadsheets offered by companies who wanted to sell him refinance packages, mortgages or financial planning advice. There were also quite a few government and private organizations offering similar FREE help.

John went through the FREE packages carefully and was surprised at how little difference there was to what he had been taught at school.

No matter which of the budget sheets he tried, he still had the same problems. Each month John had to rewrite his budget. This was both time consuming and it didn't help him predict the expenses that were coming up.

The spreadsheets were just as bad! John became more and more frustrated as all he seemed to be doing was looking at where his money had gone. What he wanted was to be able to look at what was going to happen in the next few weeks.

John came to the same conclusion that many other people have reached. FREE budget sheets and spreadsheets are a total and utter waste of time.

This is Jane.
Jane's budget was in a mess, so much so that she turned to the Internet to find a program that would look after her finances for her.

Jane quickly discovered that there were three types of budget help available on the Internet.

• FREE budget sheets provided by people who wanted to make money by selling you something else or they were government funded.
• Accounting Programs that were expensive and took forever to record information.
• The "Personality Budgeting Program" put out by the budgeting specialists. This program looked as if it was specifically designed for people who wanted to know if they had enough money for their bills and living.

Jane decided to give the "Personality Budgeting Program" a go.

The results spoke for themselves. Jane now spends less than 12 minutes a week checking her budget and she can print out a list of exactly what to expect at any time.

Jane hasn't missed a bill for months. She feels that her money is under control and she knows where it is going.

Better still, the financial pressure is gone!

QUESTION: What is the difference between John and Jane's solutions?

ANSWER: Jane went to the specialists and invested in a budgeting program that worked. Simple really. Now she is getting on with her life! John, well he still has the problem.