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Everyday money tools for everyone


You have income
We provide tools to help you manage that income

Whatever your preferred money lifestyle might be


I live paycheck to paycheck

When people enter the workforce they typically have the primary goal of getting a paycheck. When they have no idea how to effectively handle the money that they will be earning, the receipt of a paycheck understandably becomes the primary trigger that drives a person's everyday money cycle.

  • Get paid
  • Pay bills and make credit card payments
  • Use the money that's left over for spending money until next payday
  • When spending money runs short, use credit cards

The amount of spending money is dependent on how often a person gets paid, the amount of each paycheck, and the amount of the bills that are due. Regardless of how consistent an income may be, with the current stack of bills being inconsistent, available spending money is often like a roller coaster. After one payday, there's lots of money to spend. After the next payday, there's not much money to do anything.

The paycheck to paycheck spending money roller coaster almost guarantees growing indebtedness. Putting aside money for savings, including retirement, is wishful thinking. Instead of trying to save, the focus is on how to survive until the next paycheck with only passing attention being paid to how to get out of debt. Paying off loans and credit card balances can be very difficult when living paycheck to paycheck.


Tools that will help:

  • myOwnMoneyCalc (free)
    • Prepare a custom payoff plan for one debt
    • Build a debt snowball for all of your debts
    • Plan how to save money for large, expected expenses
    • Analyze existing and contemplated loans
    • Evaluate saving and investment opportunities
  • myOwn10-Key ($19.95 after 30 day free trial)
    • Full featured paper tape adding machine/calculator
    • Print deposit slips
    • Has all of the features in myOwnMoneyCalc
  • Free online resources on this website

I prepare a monthly budget

Budgeting involves setting what percent or amount of income expected in the coming month will be spent on which categories of fixed and variable expenses. As money is spent during the month, purchases are recorded by category in order to track how well spending is staying within the predefined budgetary limits. A new budget must be prepared for each coming month.

Getting on top of your everyday money with budgeting can be a lengthy process involving what Dave Ramsey calls baby steps. It is understood that gaining complete control of your day-to-day finances can take years.

With each budget being focused on how money will be spent in just a coming month, this traditional method of everyday money management does not encourage saving for the long term for goals such as retirement or going on vacation next year. In addition, budgets tend to be inflexible. Unexpected large expenses or spontanious spending can render a budget useless very quickly. When a budget fails, credit cards tend to be used to fill the gap.

Tools that will help:

  • myOwnMoneyCalc (free)
    • Prepare a custom payoff plan for one debt
    • Build a debt snowball for all of your debts
    • Plan how to save money for large, expected expenses
    • Analyze existing and contemplated loans
    • Evaluate saving and investment opportunities
  • myOwn10-Key ($19.95 after 30 day free trial)
    • Full featured paper tape adding machine/calculator
    • Use re-usable, cascading tapes for monthly budgets
    • Print deposit slips
    • Has all of the features in myOwnMoneyCalc
  • Free online resources on this website

I track my expenses

Tracking expenses, or keeping a spending history, involves the recording of every penny you spend. The intent is to use the spending history as a basis for identifying spending habits that can be improved. The main weakness of keeping a spending history is that it is focused on past activity and is of little help when you are trying to make immediate decisions about spending for current and future needs.

Here's the normal cycle for keeping a spending history. This cycle is the basis for popular money management computer programs and websites.

  1. It takes time to accumulate a spending history. While accumulating the history, inappropriate spending habits will probably continue. If you don't consistently continue your bad habits, you won''t be able to document them in your spending history. A Catch-22?
  2. You have to keep track of every penny you spend. Spending information must be recorded in some type of tracking device that is capable of organizing the information and displaying useful reports and graphs. Keeping track of every penny spent, and dutifully recording that information, takes dedication and a tremendous amount of energy. Even with the new online budget and personal finance apps the task can get overwhelming.
  3. After enough spending history has been accumulated so that you can see some of your bad spending habits, it''s finally time to make adjustments. To determine whether the new adjustments to your spending habits work as expected, return to step 1.

There are numerous apps and websites available to help you accumulate a spending history. These automated personal bookkeeping systems tend to be complicated and inflexible for many people. The websites that automatically collect your spending data from your online accounts are, to many people, intrusive. They also tend to be inaccurate. You end up trading convenience for inaccuracy.

With a continual focus on past spending, current spending can happen with no guide for what can be done and what should be avoided. For future spending you are flying blind which can lead to unadvised spending and use of credit. Tracking expenses is usually not a good method for avoiding debt. There is also no inherent motivation for saving either in the long or short term.


Tools that will help:

  • myOwnMoneyCalc (free)
    • Prepare a custom payoff plan for one debt
    • Build a debt snowball for all of your debts
    • Plan how to save money for large, expected expenses
    • Analyze existing and contemplated loans
    • Evaluate saving and investment opportunities
  • myOwn10-Key ($19.95 after 30 day free trial)
    • Full featured paper tape adding machine/calculator
    • Print deposit slips
    • Has all of the features in myOwnMoneyCalc
  • Free online resources on this website

I maintain a spreadsheet

If you are skilled with Excel or another spreadsheet application, you may think that setting up a spreadsheet to project monthly income against monthly bills is attractive. The problems with this method of managing day-to-day finances are as follows.

  • A spreadsheet must be manually maintained to keep it current with the advancing calendar. This manual maintenance is cumbersome, time consuming (like making a monthly budget) and prone to errors.
  • The normal spreadsheet is used only to document the impact of bills on income. Keeping track of income vs bills is addressing only two of the six aspects of everyday personal finance.

Using a manual spreadsheet to forecast your day-to-day finances, in addition to being cumbersome, error prone and time consuming, can result in an incomplete picture of your finances which can be detrimental to decision making and sometimes downright misleading. In addition to possibly encouraging ill advised debt, manual spreadsheets seldom include planning for short and long range savings.

(With you being a fan of spreadsheets, you should take a look at Income Companion below. Let the program do all the work that you are doing manually.)

Tools that will help:

  • myOwnMoneyCalc (free)
    • Prepare a custom payoff plan for one debt
    • Build a debt snowball for all of your debts
    • Plan how to save money for large, expected expenses
    • Analyze existing and contemplated loans
    • Evaluate saving and investment opportunities
  • myOwn10-Key ($19.95 after 30 day free trial)
    • Full featured paper tape adding machine/calculator
    • Print deposit slips
    • Has all of the features in myOwnMoneyCalc
  • Free online resources on this website

I plan my future spending around my paydays

A minimal requirement for quickly getting a handle on your day-to-day finances is to continually match your expected bills and expenses to your expected income. While relying on paydays as a basis for planning is not the optimal game plan, seeing a coordinated picture of your income and outgo that will be flowing through your checking account is a good place to start.

Employing a "do as you go" approach to managing household finances, Payday Organizer requires no setup. When you first start the program, you begin to enter current information with minimal requirements. The flip side of this quick startup and simple ongoing maintenance is the forfeiture of any automatic forecasting of your finances.

Payday Organizer gives you full control of your household finances starting today. You have total flexibility for handling spending money, scheduling bill payments and setting aside money for special purposes. In addition to giving you a complete picture of your household finances, the program helps you analyze loans, plan your way out of debt, save for large expenses and do simple investment calculations.

Payday Organizer is the simplest, easiest to use tool for managing household finances. The program is also ideal for teaching effective money management to young people about to enter the workforce.


The tools:

  • Payday Organizer ($29.95 after 30 day free trial)
  • myOwn10-Key ($19.95 after 30 day free trial)
    • Full featured paper tape adding machine/calculator
    • Print deposit slips
    • Has all of the debt, loan and saving features in Payday Organizer
  • Free online resources on this website

I plan my spending well before my money is gone

Income Companion is the finest tool on the planet for managing your everyday finances. Using this tool you will manage your household cashflow just like a business. In fact, Income Companion can be used to manage cashflow in a small business.

A very intelligent spreadsheet, the program performs the complex processes of continuously planning and summarizing all of your day-to-day finances on one screen in an easy to understand format. After you provide detailed setup information for income, spending money, bills, credit cards, special focus items and saving plans, Income Companion automatically projects your finances for up to the next 12 months with twice monthly columns in which the program calculates:

  • How much cash is available on the column date,
  • The bills and credit card payments that are due on the column date through the day before the next column date,
  • How much of the available cash is being set aside on the column date for special focus items and saving programs, and
  • The amount of cash that will remain after all payments and set asides are made.

The amount of remaining cash in each column is your "bottom line" that, just like in a business, shows you at a glance how healthy your household finances are both now and in the months to come. Any red values on the Remaining line indicate planned overspending that may, or may not, require adjustments to your future spending plan.

Income Companion is more difficult to initially set up than Payday Organizer; however, once the initial setup is complete, Income Companion is easier to use in that the program does most of the work. Your ongoing tasks involve keeping up with changes as they occur and the management of credit cards.

Income Companion is the finest everyday money management tool available anywhere. Learning to use this program is the first step toward a lifetime of financial peace of mind. The next step is making the use of Income Companion a pleasant, lifelong habit.

The tools:

  • Income Companion ($39.95 after 60 day free trial)
  • myOwn10-Key ($19.95 after 30 day free trial)
    • Full featured paper tape adding machine/calculator
    • Print deposit slips
    • Has all of the debt, loan and saving features in Payday Organizer
  • Free online resources on this website

Do you have debt?
Are you not saving for retirement?

The tools offered here will help. Get started today.








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Amortize - reduce or extinguish (a debt)
by money regularly put aside

Copyright © George 'B' Gilbert 2000-2018