Home budget software to help you survive financial crisis

Do you know how to avoid getting caught in the financial crisis? This question addresses one of the biggest fears most everyone has today. If giants like Merrill Lynch and Lehman Brothers get shaken to their foundations, how can an average person resist getting caught?

Using of accounting software

The answer is simple: spend less than you earn. The era of blithe consumerism is coming to an end, and we should prepare for lean times. It’s time to keep track of home budget and cut down unnecessary expenditures. These simple things will help you to stand bad times.

Part of the survival strategy is organizing your financial life using a good home accounting software. It will help you to see where your money goes without the hassle of doing everything manually. There are many budget planners out on the market today. One of them is Personal Finances.

Overview

Alzex Personal Finance is a budget planner that will help you to control your budget better than ever. With a glance at its summary view and reports, you will understand where your money goes, pinpoint areas of excessive expenditure and cut down unnecessary expenses. The program also provides future planning you can project expected spending and income and find out how much money you will have at a future date.

The program is ideal for beginners as it keeps home budget management simple and intuitive. The program has a simple, uncluttered interface and a lack of advanced features, which are rarely used by ordinary users. For example, Personal Finances has no college or retirement planner. However, when it comes to managing financial accounts, designing and tracking a home budget, the program outshines many others.

Getting started with Alzex Finance is a matter of a few minutes. Simply click around to familiarize yourself with the functionality and refer to the program help file if there’s anything you do not understand at first glance.

You’ll also be pleased to discover no advertising “bells and whistles” that could be found in other budget software. Personal Finances is calm and keeps you that way as you focus on organizing your budget.

Getting Around the Interface

When you run the program, it opens into the main window that puts the financial details, tools and options that matter most to you up front. At the top of the window you can see the main commands. A list of transactions – income and expenses – is displayed in the central area of the window and all accounts are in the left area. The icons at the top of the main window let you quickly go to any part of the program, create an account, category, view calendar and create reports. In the left area, there are buttons that let you add, edit or delete transactions.

There are two views for transactions – Account and Summary. By default, the program opens into the Account tab where you can see the transactions associated with a particular account. However you can click on the Summary tab and see all the transactions, regardless of the account they are associated with.

Setting Up Accounts

Accounts in Alzex Personal Finance describe where money comes from. The program supports different accounts, such as real bank account, credit card, cash and pocket money. Setting up an account is a breeze to do. Click on the Accounts icon at the top of the main window, click the Add button, then enter the properties of a new account – name, currency, comment. Personal Finances also allows you to set up an account budget for any period of time, so that the user doesn’t overspend. Existing accounts can be edited or deleted.

Entering Transactions

Entering transactions is just as easy. It requires a click on the Add button in the right area of the main window. In the dialog that opens, you need to select the type of transaction – income, expense or transfer between accounts, then enter all details associated with this transaction such as the account, amount of money, and date that will appear on the calendar or in the list of transactions that are due. Transactions can be defined with categories, family members, and tags. Tags provide a way to differentiate between similar transactions that fall into the same category. Categorization by family members will tell you about spending habits of each member of your family.

Transactions can be scheduled, which makes Personal Finances very handy for repeating transactions – tax payments, electricity bills, etc. The frequency for which you can set up a scheduled transaction is weekly, monthly, and annually. When the due date for the scheduled transaction comes, you should select the transaction in the scheduler list, right-click its record and select the Apply Now option to enter the scheduled transaction into the account used to pay the bill. You should also remember to make this payment in the physical world.

Reporting

Alzex Finance helps you to understand the flow of your money and control expenditures with handy graphs and reports. You can see the reports generated by categories, family members and tags. Clicking on any item in the report you can drill down to transactions associated with the item. You can generate reports that cover any period of time. Results can be printed out.

Security

For your peace of mind, Alzex Personal Finance allows you to protect the budget database with a password so that no one will get access to your confidential financial information except you.

Portability

If you want to keep tabs on your budget on the move, you can get a portable accounting software that will run from a USB flash drive. The program can be run from any computer, without leaving any tracks behind.

Alzex Finance has a free version and a full-featured commercial version with a 30-day free trial, so you can download the program to see if it will meet your personal budget management needs.

Keeping a budget with Alzex Finance provides big benefits in the form of savings and elimination of unnecessary expenses. This will definitely help you to survive the financial crisis and step into better times.

User testimonials

I just wanted to take the opportunity to congratulate you on what is one of the best, if not the best, personal accounting software I have seen. I’ve been using your program for 18 months now and it gives me everything I want and ask for in a clear and concise way.

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