Finance is one of the few things that a person can completely (and to a large extent) control. And for them to love you, you must also love them and pay attention to them. At a minimum, keep records of them, know the flow of traffic and plan for them and your future.
How can you keep track of your finances? Now huge amount ways to do this: programs on the phone and on the computer, paper versions, tables in Excel. You can choose any one. I tried many: and several computer programs, and a program on the phone, and an Excel spreadsheet, and a paper version. Over many years of keeping financial records at home, I realized that the most convenient way for me is the synthesis of a paper diary and an Excel spreadsheet. In a notebook, I write down all current expenses and can easily answer the question “when did we fill up the car and what was the price of gas,” “how much did a trip to the dentist cost a couple of months ago,” or “how much did we spend on food in October?” I make pivot tables on the computer, where you can see the dynamics by month.
At home I keep financial records in a regular student notebook: on one side I write running costs weekly, on the other side of the notebook - financial planning by month.
And when I saw the “Financial Diary”, of course, I could not pass it up. Because this is an opportunity to try something new in the already familiar paper accounting.
Before you start accounting for your finances, it’s a good idea to write down your financial dreams and the date they will come true.
It also clearly explains with examples how to keep a table of monthly income
and expense table
And an example of recording expenses for the day
Overall, I really liked the diary, but I have some wishes.
What I liked:
-introduction with financial management tips. Here is a summary of the very basics, the most necessary
-table " My dreams" - after all, if there are no financial goals, accounting loses all meaning
-tables for each month" 10 next steps to increase my income" - every month you need to sit down and think about what else you can do to get closer to your financial dream
-tables for each month" 10 ways to cut your expenses" - think about what exactly I can save on this month
-financial wellness pages for every month
every month, by writing down the numbers, you will see how you are moving towards your dream, towards your result
I liked that the author makes you think and do conclusions every day And sum up the month
-I liked it at the very end of the diary" Journal of victories and financial achievements" - a very important thing for motivation and in moments when you give up
-excellent quality of publication, nice paper, convenient bookmark- this is as always from the publishing house MYTH
-I really liked that every week has its own theme And every day there is advice from the author of a journal for reflection.
What I didn't like:
- the call in the introduction to pamper yourself every day. In my opinion, this is fundamentally contrary to achieving financial goals. Sometimes, occasionally - of course, but not every day. Again the echo of “You deserve it” is heard.
- I didn’t like that all the planning for the month is at the end of the month. Those. first there are 4 weeks of accounting, and then only all the tables that I showed a little higher. It seems to me that it is more logical to first plan the month, imagine what your finances are, then keep records and at the end draw conclusions. The same with 10 ways to save and increase income: in order to implement them within a month, you must first plan them, think about them and then implement them.
-that the diary is only for 3 months. The publication is not cheap - that's it. And two - I would like to see at least a year's worth of records collected in one volume. Otherwise, it turns out that 4 such books will be collected in a year, and they need to be stored somewhere else.
I am sure that if you have never kept financial records, such a diary is an easy and enjoyable way to start doing so.
And if you are already advanced in the field of home finance, such a diary is a great opportunity to try something new and adopt it for yourself.
As usual, on the MIF publishing house website
Cash Organizer is a small but powerful online service for joint management finances and their subsequent visualization both in the browser and using applications on PC, Mac or Android.
The functionality of the service may well be sufficient even for financial accounting in small companies. Cash Organizer does not limit users in any way: you can enter countless accounts, create an unlimited number of templates, and connect other people to a single interface and account management. This helps both in family and at work.
The service includes sections for accounts, payments, budget and plan. It should be noted that when purchasing a license, the user receives the following functions:
- Cloud storage and the option to synchronize any number of devices.
- Cash Organizer desktop application for Windows and MacOS X.
- Mobile option for Android smartphones and tablets.
- Full access to the service when there is no Internet connection.
- Simultaneous work with the database from different devices.
- Online access to the service using a range of web browsers and extensions.
- Full support for joint accounts.
- Adding categories with different nesting.
- Adding projects with different nesting levels.
- Supports 126 currencies.
- Journal of changes in exchange rates.
- Transfers and splits.
- Budget management.
- Plans for upcoming payments.
- Reconciliation of the invoice with the bank statement.
- Generating various reports.
- Data backup and recovery.
- Import QIF.
- And more.
(Volga Federal District 2002) is intended for financial accounting and analysis various types: from home accounting (personal finance) of individuals in Freeware and Small edition to management financial accounting and “informal” accounting of small businesses in Standard and Pro edition. PFO 2002 is easy to set up and use, has a powerful system of standard reports, as well as convenient tools for creating and customizing forms, reports, charts and graphs.
The program is focused on the fastest and simplest input of planned and actual financial transactions and obtaining detailed analytics on them. Special reports allow you to evaluate dynamics and predict future income and expenses. “Operational informants” allow you to always see current income, expenses and debt balance.
Additional subsystems allow you to effectively plan large purchases with analysis of options, distribution of funds and calculation of required monthly contributions, as well as store information about all contacts (friends, acquaintances, organizations, etc.) in a convenient form with quick search and filtering capabilities. The special subsystem “Business Organizer” allows you to manage your projects and affairs in the usual way. The tree-like organization of folders and tasks in them, the presence of an extensive filtering system and standard quick filters, as well as many other features make this subsystem quite convenient for practical use.
Main functionality and product editions
The main functionality of each product edition is presented in their description sections. Product Personal Financial Organizer 2002 published in four editions:
PFO 2002, Pro edition - the maximum commercial edition of the product, best suited for those who are involved in active commercial activities, as well as for maintaining managerial financial accounting and “informal” accounting of small enterprises. Detailed analytics of financial flows in any time frame, standard annual and monthly reports, samples and groupings of financial transactions for any period allow you to get a complete picture of your business.
PFO 2002, Standard edition - the standard commercial edition of the product, best suited for most users, allows you to effectively keep track of personal finances, management financial accounting and “informal” accounting of small businesses. The program's reporting system allows you to always have a complete picture of the state of your finances, predict future income and expenses, and assess the dynamics of their changes.
Volga Federal District 2002, Small edition - the minimum commercial edition of the product, aimed at the widest possible audience. The presence of multi-currency accounting, standard dual-currency reports, as well as many other features allows you to effectively use the program in our economy.
Volga Federal District 2002, Freeware edition - a free edition of the product, aimed at maintaining complex home accounting. Contains a large subset of the basic functions of older editions.
Differences between editions
The main difference between commercial editions Small edition, Standard edition And Pro edition among themselves – purpose, target group and number of analytical reports provided to the user as standard. A comparative table of reporting systems of all product editions is given in User manual programs. Moreover, the more powerful the product edition, the more additional analytical samples and data groupings it contains, allowing users to create their own reports, charts and graphs.
Main differences between commercial editions Small edition, Standard edition And Pro edition from Freeware edition:
- Advanced reporting system- the size of the reporting system has been increased by more than 1.85 times in the Small edition, by 2.50 times in the Standard edition and by 3.26 times in the Pro edition
- Ability to customize standard forms and reports- the ability to change colors, fonts, design, layout, introduce additional fields and change functionality in standard forms and reports of the program
- Ability to create new forms and reports- the ability to create your own forms and reports, both based on those available in the program and completely new ones
- Additional toolbars for customizing forms and reports- specialized convenient toolbars for customizing forms and reports
- Ability to customize standard toolbars and menus- ability to add and remove commands from toolbars and menus
- Ability to create a custom menu- the ability to group the most frequently used reports into a separate quick access menu
- Open source programs- ability to create and change program procedures
- Free technical support and consultations- prompt technical support and advice on various issues via E-Mail and through the support website
System Requirements
- Operating system: MS Windows 98/Me/2000/XP
- Screen resolution: 800*600 pixels or more
- MS Access 2000 or XP
Terms of distribution and use
Commercial editions Small, Standard And Pro edition product Personal Financial Organizer 2002 are distributed according to the principle Shareware with a 30-day free trial period. After this period, you must either register the program or stop using it. To register, you need to purchase a license for the appropriate edition.
Editorial Freeware edition product Personal Financial Organizer 2002 distributed on an "AS IS" basis free of charge without any time or other restrictions. No warranties are attached or implied.
Product Awards
Hello, dear readers! In this article I will raise such an important topic as personal finance management in modern world. Most likely, you have already heard and read a lot about this, so I will not focus on the details.
First, we'll briefly look at the importance of personal finance management, then I'll give a couple of proven recommendations for improving your financial condition, and in the end I’ll tell you about the Cash Organizer application, which has been guarding my finances for several years now. It was thanks to him that I began to master financial literacy and got rid of debt.
Why is it important to manage personal finances, and what are the consequences of their improper distribution?
It is no coincidence that I added the phrase “in the modern world” when talking about personal finance management. In the modern world, advertising is everywhere, and marketers go to even greater lengths to get you to buy their product (even if you don’t really need it). Add to this the economic crisis, and we get very unpleasant, but official statistics.
According to gazeta.ru, as of the first quarter of 2016, more than half of the economically active population of Russia (40 million people) had debt to banks or microfinance organizations. At the same time, only 8 million people, that is, only 20%, can “serve” their debts.
And, most likely, the situation will not change much in 2017. It is quite possible that even the 20% who were able to service their debts are still paying interest. So what should you do if you find yourself in this statistic or want to spend your money more efficiently so that you always have enough money? Let's try to figure this out.
- Set aside money for a rainy day. If it doesn’t work out, imagine that tomorrow you will lose your job, what will you do then?
- Try not to borrow money, especially when it comes to loans and microloans.
- Think twice before buying this or that item.
- Be legally savvy. If you are being harassed by debt collectors, check out the laws regarding debt collectors. If you don't get paid at work, check out labor code. Believe me, you have a lot more rights than you think.
- Plan your budget, record expenses and income, look for where you can save. Personally, I use the Cash Organizer application for this, which will be discussed further.
Cash Organizer
Let's start with the fact that Cash Organizer is not only an application for mobile devices, but also a full-fledged program for personal computers, which already sets this project apart from its competitors. The PC version offers more structured and accurate reporting, while the version for mobile devices pleases with its portability and synchronization with banks.
Naturally, these two versions can work together, allowing you to take advantage of their benefits simultaneously. You can check out the PC version on the developer’s website, and I’ll tell you about the version for mobile devices, since I use it most often.
As soon as we downloaded and opened the application, we get here:
If you used the Web version or the PC version, then using the menu you can easily access the already created database. If you have not used Cash Organizer before, then it is best to follow the link and read the instructions.
As for me, one of the most important advantages of Cash Organizer is the instructions. Unlike most similar services, the instructions do not contain a “dry” description of the functionality, but a detailed explanation, which focuses on the capabilities for each user.
What these capabilities are, we will now briefly look at the example of the 5 most interesting, in my opinion, functions, as well as a short list of the main ones competitive advantages Cash Organizer.
Budget
This is a set limit for any category of expenses. For example, you allocated 20,000 rubles for entertainment this month. If it is more, you will not have enough money for other important expenses.
To prevent this from happening, you can sit with a notebook and count all your expenses, or you can use Cash Organizer, set a budget for the “entertainment” category and be able to track the limit for this category in real time.
Reporting
As I said earlier, Cash Organizer is not only a convenient application, but also a full-fledged program for the PC. If you suddenly want not only accuracy, but also structure, here is a comparison of reporting in two versions.
Plan (scheduled payments)
If you own a car, you probably know how important it is to remember to renew your insurance. Personally, scheduled payments help me not so much to predict a possible shortage of funds (and such a function is provided), but to simply help me not to forget about an important payment.
As soon as the payment day approaches, the application immediately sends a notification to the phone menu, reminding you of scheduled payments. If there are many such payments and they are constant, you can also set the payment frequency in Cash Organizer.
Joint account
One of the unique features of Cash Organizer is the ability to maintain a joint account with another user, for example, with your husband. If you have a case where your husband earns money, and you spend the family budget, then this function will help you track all expenses in real time, as well as jointly plan payments.
Synchronization with banks
Another convenient feature is the ability to synchronize the application with the bank. If you use your card often, you won’t have to constantly enter payments manually, and categories will be selected automatically.
Additional features
- Supports any iOS, Android, Windows and Mac devices.
- Ability to create categories, subcategories, projects and subprojects of unlimited nesting.
- Password protection, 256-bit encryption, and a security system that prevents even the developers themselves from accessing your data.
- Unlimited number of bank accounts to connect.
- Calculation and information about the grace period for credit cards.
- Ability to split payments into several components, placing them in different categories.
Among the disadvantages of this application, I can only emphasize its great functionality, which at first may seem not entirely clear and even unnecessary. That’s why I recommended reading the instructions first, with them you will be able to work freely in the application in ten minutes, and you will also understand which functions you really need and which ones are better to discard.
Where can I download the application?
- Link to Cash Organizer developer website: cashorganizer.com
- App store:
- Google play: https://cashorganizer.onelink.me
Let's sum it up
Returning to the topic of managing personal finances in the modern world, we can say with confidence that, in addition to a bunch of ways to spend money, many tools have also appeared for saving it. Cash Organizer is direct proof of this.
Using this powerful and modern saving tool along with the recommendations described above, I have really made my life easier and become more effective in managing my money. To make sure of this, you don’t need to believe me, just try to implement these recommendations into your life - and the result will not take long to arrive. I wish you success!
Personal financial organizer with a funny name "Ahh Hah!" — a full-fledged set of functions for setting financial goals and accompanying support on the way to their implementation.
It may seem strange when someone is trying to plan the next 10 to 20 years of their life. own life V financially. However, the personal financial organizer "Ahh Hah!" was created just for such conscious people. A specially designed set of financial tools aims to help the user by greatly simplifying this difficult task of spending planning.
The kit is a series of tools that help organize, file and divide everything into special sections. Over time, you will be able to easily find the desired section with the necessary information, spending just a few seconds on it. In the modern world, it’s hard to believe that most people don’t plan their finances at all and waste money thoughtlessly. It is better to take this more seriously, which will significantly improve the quality of life in the future. 
The original financial organizer places all records in one place to allow users to clearly identify where to find certain information. This approach eliminates the need for users to spend endless amounts of time searching for files on the computer, and also prevents the loss of important financial statements. Now the consumer has a real opportunity to take everything financial matters V own hands. Personal Financial Organizer "Ahh Hah!" - an excellent invention from a talented team of economists and designers. 
If you would like to work on your financial literacy and put things in order - pay attention to the Finparty portal, which is entirely dedicated to the lives of financiers, businessmen and investors. You can find out how successful people work with money, preserving and increasing finances in various areas of business.
Loading...
