|
Holiday Savings Center | Black Friday Deals | Cyber Monday Deals | More Online Coupons & Coupon Codes |
Get Quicken 2009 and get on track to better budeting and savings in 2009. You can get Quicken 2009 on sale right now for $39.99. Even better than free shipping - get it as an instant download and start saving money today!
So we’re all about to get into the thick of tax season, right? If that’s not tough enough on a body by itself, it normally also gets us thinking about ways we can be trimming the excess in our budgets, especially if you’re like my family and actually have to pay the government AGAIN.
Ok, nope, this is NOT a rant about the IRS, though you can probably find one of those on HotCouponWorld.com’s Hot Under The Collar section. THIS article is about keeping track of where you spend your hard earned dollars so that you don’t end up at the end of month wondering where in the world all your dollars went. Before you can cut your expenses, you need to know exactly how you spend your money.
Whether you are tech-savvy or not, here are a couple of methods for keeping track of your daily expenditures.
First, there is the time-tested method of keeping your receipts. Easy enough to do, but at the end of the month, it requires that you add everything up to see where everything went. If you go with this method, then you need to have a place to put your receipts that will keep them out of the way in your home and you need a filing system to organize your receipts.
If you are using this method, you need to pick up an envelope-type coupon organizer at the dollar store. You can carry that around with you and immediately file your receipt away as soon as you get it. Then once a week or more often if you are so inclined, enter your receipts into your books at home. Programs like Quicken will help you out a bunch. Once a month or so, go through the organizer and make sure you have all receipts entered, then empty the organizer. Find yourself a shoebox and file them away-just make sure you do keep them somewhere for tax (and REBATE!) purposes. Your task will look much less daunting if you only have a few days or a couple of weeks’ worth of receipts than if you have 3 months’ worth.
The Neat Company has a really cool tool called NeatReceipts. Check it out at www.neatreceipts.com. NeatReceipts is a mobile scanner that inputs your receipts. It categorizes your expenses. It keeps digital copies of your receipts for tax time too. This program has a tool that will extract information directly into Quicken, TurboTax, Excel, or QuickBooks. Talk about doing all the work for you! You can save 50% on a Neat Receipt scanner at Amazon for just $124.99 - a savings of $75 over the regular price of $199.
If you don’t have the money to spend on Quicken or something similar, search for free budgeting tools. There are plenty of offline downloads to help you keep track of your expenditures. The downside to some of these programs is that they require you to have the discipline to sit down periodically and enter your receipts or transactions and categorize them yourself, which I am not able to do. I get tired of all the receipts around my house and throw them all in a box, lock, stock and barrel. However, if you can keep up with all of that, these programs can and will work for you.
If you don’t want to deal with each individual receipt and you just need an overview of your budget and how you spend your money, check out www.mint.com. Mint is a neat little program that hooks to your bank account and automatically categorizes your spending from the moment the money leaves your bank account. You can find discussion about mint.com on the Hot Finance Discussion section of HotCouponWorld.
Mint takes a comprehensive look at all of your bank accounts and if you wish, credit card accounts. Year to date info is available at the click of a mouse, and the program shows you your spending trends as well. Using my custom budget that I created on Mint, I can tell at any time how much of my grocery/clothing/fuel/entertainment money I’ve spent. Oh, and if you have a dangerously low balance, Mint emails you to let you know.
All you need to get started is one of your checks, a credit card statement, and statements from any other accounts that you might want to incorporate.
You don’t have to worry about hacking on this website either, or selling your information to other companies. The information you give them is encrypted, and they specifically state that they do not share your information with outside companies. I’ve been a member of Mint for months, and I haven’t gotten any junk mail or spam from them at all.
And, I can tell you that I spend WAY too much on joe.
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Forum Navigation |
|
About HotCouponWorldHotcouponworld.com is a deals discussion community. We help our members economize their household spending by matching weekly sales ads with manufacturer coupons and other discounts, providing you with the best net price for grocery, health & beauty, and household good purchases. Read More » |
Copyright - Coupon Girls, LLC 2008-2009 - All rights reserved.
