The Dell Streaker

Budgeting can be a scary thing to undertake. First there is the perception of too much outgo and not enough income that many seem to wrestle with every month. In many cases this problem can be greatly assisted by doing the one thing that you are fear the most; living to a budget that you haven’t created yet. Yes, by creating the discipline to live to a budget one can actually improve their cash flow, and in many cases become capable of putting a little bit away for a rainy day. Offering free online budgeting assistance software, ClearCheckbook can help anyone interested in taking the steps to create a personal budget, and they have created an 8 ½ minute video to show just how easy the creation and maintenance of your budget can be on their tour page.

The notion of budgeting can be intimidating and often one of those tasks we procrastinate on for as long as possible. ClearCheckbook has a built-in budget calculator that makes budgeting actual easy to do and fun. User-friendly, the budget calculator on ClearCheckbook will take the dread and fear out of sitting down to make a budget . Capable of adjusting for income gains/losses with just a few clicks of your mouse; on the fly adjustments to your budget is a breeze. A brief summary of what is available in the ClearCheckbook Budget Calculator:

• First and foremost, ClearCheckbook’s budget calculator will help you to create some key budgeting areas so you have targets established. You will be amazed at the positive impacts that just establishing a few budget constraints can have on controlling spending
• By simply identifying the account or category that you want to budget, one can setup a reset day or establish whether or not you want any unused funds to rollover.
• The ClearCheckbook software will automatically keep track of how much money you have spent against a budget limit based on the transactions that you have entered. The closer you get to your budget limit, the reports turns from green to red so you can easily see at a glance how you’re doing.
• One can gain a lot of insight by going back over time and reviewing your report for budget versus spending – where are your trouble areas in your budget? Where are you doing a good job of staying within budget?
• Also key to this analysis are the many functions available in the ClearCheckbook’s Bill Tracker segment of the budgeting software:
• With a bill tracking tool that lets you enter all of your monthly bills, the amount owed, an internal link to the budget category that you want the charge posted against, and what account you want to use to pay for it, once you get setup, bill paying and tracking couldn’t be easier.
• To pay a bill, all one needs to do is go to the Bill Tracker and click on what bill you want to take care of. Just click on the “Pay Now” button and fill in the specific details if they are different from your standard setup, but it really couldn’t be easier.
• Check out the history of payments for the bill in question. Is the amount that you are paying varying over time? This is very helpful to know if you are trying to cut back your spending in a particular area.