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 will briefly discuss the importance of managing personal finances, then I will give a couple of recommendations that I have tested to improve my financial condition, and in the end I will talk about the Cash Organizer application, which has been guarding my finances for several years. It was thanks to him that I began to master financial literacy and got rid of debts.
Why is it important to manage personal finances, and what threatens their improper distribution?
It was no coincidence that I added the phrase “in the modern world” when talking about personal finance management. In today's world, advertising is everywhere, and marketers go to great 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 debts to banks or microfinance organizations. At the same time, only 8 million people, that is, only 20%, can “serve” debts.
And, most likely, in 2017 the situation will not change much. It is quite possible that even those 20% who were able to service their debts are still paying interest. So what to do if you find yourself in this statistic or want to spend your money more efficiently so that there is always enough money? Let's try to figure this out.
- Save money for a rainy day. If it doesn’t work, 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 thing.
- Be legally educated. If you're being harassed by collectors, check out the laws about 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, write down expenses and income, look for what you can save on. 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 distinguishes this project from its competitors. The PC version has more structured and accurate reporting, while the mobile version pleases with its mobility and synchronization with banks.
Naturally, these two versions can work together, which allows you to use their advantages at the same time. You can check out the PC version on the developer's website, and I'll talk about the mobile version, since I use it most often.
Once we have 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, 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 instruction. Unlike most similar services, the instructions do not contain a “dry” description of the functionality, but a detailed explanation that focuses on the capabilities for each user.
What are these features, we will now briefly analyze the example of the 5 most interesting, in my opinion, functions, as well as a short list of the main competitive advantage 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 there 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 the 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 PC program. If you suddenly want not only accuracy, but also structure, here is a comparison of reporting in two versions.
Plan (scheduled payments)
If you have a car, you probably know how important it is to remember to renew the insurance for it. Personally, scheduled payments help me not so much to predict a possible shortage of funds (and such a function is provided), but rather help me not to forget about an important payment.
As soon as the day of payment 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, such as a 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 plan payments together.
Synchronization with banks
Another convenient feature is the ability to synchronize the application with the bank. If you often use the card, then you will not have to constantly enter payments manually, and the categories will be selected automatically.
Additional functions
- Support for any device based on iOS, Android, Windows and Mac.
- Ability to create categories, subcategories, projects and subprojects of unlimited nesting.
- Password protection, 256-bit encryption, and a security system where even the developers themselves cannot access your data.
- Unlimited number of bank accounts to connect.
- Calculation and informing about the grace period for credit cards.
- The ability to divide the payment into several components, placing them in different categories.
Of the minuses of this application, I can only emphasize the great functionality, which at first may seem not entirely clear and even redundant. Therefore, I recommended that you first read the instructions, with which 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 to download the application?
- Link to the Cash Organizer developer site: cashorganizer.com
- Appstore:
- Google play: https://cashorganizer.onelink.me
Summing up
Returning to the topic of personal finance management in the modern world, it is safe to say that, in addition to a bunch of ways to spend money, there are also many tools for saving money. Cash Organizer is a direct proof of this.
Using this powerful and modern instrument to save, along with the above recommendations, I really made my life easier and began to manage money more efficiently. To see this, you do not need to believe me, just try to implement these recommendations in your life - and the result will not be long in coming. Wish you success!
Cash Organizer is a small but powerful online service for joint management finance and their subsequent visualization both in the browser and using applications on PC, Mac or Android.
The functionality of the service may well be enough even for financial accounting in small companies. Cash Organizer does not limit users in any way: you can make countless accounts, create an unlimited number of templates, connect other people to a single interface and manage your account. It helps both in the family and at work.
The service has sections of 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 sync any number of devices.
- Cash Organizer desktop app for Windows and MacOS X.
- Mobile version for Android smartphones and tablets.
- Full access to the service in the absence of an 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.
- Support for 126 currencies.
- Journal of changes in exchange rates.
- Transfers and splits.
- Budget management.
- Plans for upcoming payments.
- Reconciliation of the account with a bank statement.
- Formation of various reports.
- Data backup and recovery.
- QIF import.
- And other.
Personal financial organizer with a funny name "Ahh Hah!" — a complete set of functions for setting financial goals and accompanying support on the way to their implementation.
It may seem strange when someone tries to plan out the next 10 to 20 years of their own life in financial terms. 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 you organize, file and divide everything into special sections. Over time, you will be able to easily find the right section with the necessary information, spending just a few seconds on it. In today's world, it is hard to believe that most people do not plan their finances at all, spending 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 puts all entries in one place to allow users to clearly define where to find this or that information. This approach eliminates the need for users to spend an endless amount of time looking for files on the computer, and also prevents the loss of important financial records. Now the consumer has a real opportunity to take all financial matters into their own hands. Personal Financial Organizer "Ahh Hah!" — a great 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 will be able to find out how successful people work with money, saving and increasing finances in various business areas.
(PFO 2002) is designed for financial accounting and analysis different kind: from home bookkeeping ( personal finance) individuals in Freeware and Small edition to managerial financial accounting and "informal" small business accounting 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 easiest entry of planned and actual financial transactions and obtaining detailed analytics on them. Special reports allow you to evaluate the dynamics and predict future income and expenses. "Operational informants" allow you to always see current income, expenses and the balance of debts.
Additional subsystems allow you to effectively plan large purchases with the analysis of options, the distribution of funds and the calculation of the required monthly contributions, as well as store information about all contacts (friends, acquaintances, organizations, etc.) in a convenient form with fast search and filtering capabilities. A special subsystem "Business Organizer" allows you to manage your projects and business 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.
Key features and editions of the product
Main functionality each edition of the product are presented in the sections of their descriptions. Product Personal Financial Organizer 2002 issued in four editions:
PFO 2002, Pro edition - the maximum commercial edition of the product, best suited for those who are actively involved in commercial activities, as well as for management financial accounting and "informal" accounting of small enterprises. Detailed analytics financial flows in any time frame, standard annual and monthly reports, selections 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 to most users, allows you to effectively keep track of personal finance, managerial financial accounting and "informal" accounting for small businesses. The reporting system of the program allows you to always have a complete picture of the state of your finances, predict future income and expenses, and evaluate the dynamics of their changes.
PFO 2002, Small edition - the minimum commercial edition of the product, aimed at the widest possible audience. The presence of multi-currency accounting, standard two-currency reports, as well as many other features allows you to effectively use the program in our economy.
PFO 2002, Freeware edition - free edition of the product, focused on maintaining complex home accounting. Contains a large subset of the basic features 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 quantity analytical reports provided to the user in the standard delivery. comparison table reporting systems of all editions of the product is given in User manual programs. At the same time, the more powerful the edition of the product, the more it contains additional analytical samples and data groupings that allow users to create their own reports, charts and graphs.
The main differences between commercial editions Small edition, standard edition and Pro edition from freeware edition:
- Advanced reporting system- the size of the reporting system is increased by more than 1.85 times in the Small edition, 2.50 times in the Standard edition and 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 on the basis of existing ones in the program, and completely new ones
- Additional toolbars for customizing forms and reports- specialized user-friendly toolbars for customizing forms and reports
- Ability to customize standard toolbars and menus- the ability to add, remove commands from toolbars and menus
- Possibility to create a custom menu- the ability to group the most frequently used reports in a separate quick access menu
- Open source programs- the ability to create and modify program procedures
- Free technical support and advice- prompt technical support and advice on various issues via E-Mail and through the support site
System requirements
- Operating system: MS Windows 98/Me/2000/XP
- Screen resolution: 800*600 dots or more
- MS Access 2000 or XP
Terms of distribution and use
Commercial editions small, standard and Pro edition product Personal Financial Organizer 2002 distributed according to shareware with a 30-day free trial period. After this period, you must either register the program or refuse to use it. To register, you need to purchase a license for the appropriate edition.
Editorial freeware edition product Personal Financial Organizer 2002 distributed according to the "AS IS" principle free of charge without any time or other restrictions. No warranties are attached or implied.
Product Awards
Finances are 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 a record of them, know the traffic flows and plan them and your future.
How can you keep track of finances? Now there are a huge number of ways to do this: programs on the phone and on the computer, paper versions, spreadsheets in Excel. You can choose any. I have tried many and several computer programs, and a program on the phone, and an Excel spreadsheet, and a paper version. For many years of home financial accounting, I realized that for me the most convenient way is the synthesis of a paper diary and an Excel spreadsheet. In a notebook, I write down all the 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 it cost to go to the dentist a couple of months ago" or "how much did we spend on food in October". I make pivot tables in a computer, there you can see the dynamics by months.
At home, I keep financial records in a regular student notebook: on the one hand, I write down current expenses weekly, on the other side of the notebook - financial planning by months.
And when I saw the "Financial Diary", of course, I could not pass by. Because this is an opportunity to try something new in the already familiar paper record keeping.
Before you start keeping track of your finances, it's a good idea to write down your financial dreams and the date they come true.
It also clearly explains with examples how to maintain a table of income for a month
and cost table
And an example of recording expenses per day
In general, I really liked the diary, but there are some wishes.
What did you like:
-introduction with financial management tips. Here is a squeezing 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 Costs- to think about what exactly this month I can save
-financial wellness pages for every month
every month, 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 findings every day and sum up the month
- liked at the very end of the diary " Journal of Victories and Financial Achievements"- a very important thing for motivation and in moments when hands drop
-excellent quality edition, nice paper, convenient bookmark- it's like always with the MIF publishing house
- really liked that each week has its own theme and every day there is advice from the author of the diary for reflection.
What did not like:
- a call in the introduction to pamper yourself everyday. In my opinion, this is fundamentally contrary to the achievement of financial goals. Sometimes, occasionally - of course, but not every day. Again an echo is heard, "After all, you deserve it."
-didn't like that all the planning of 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 a month, imagine what you have with finances, then keep records and draw conclusions at the end. Also with 10 ways to save and increase income: in order to fulfill them within a month, you must first plan, think about them and then put them into practice.
-that the diary is only for 3 months. The publication is not cheap - this time. And two - I would like to see at least a year's accounting collected in one volume. And it turns out that 4 such books will be collected in a year, they still need to be stored somewhere.
I am sure that if you have never kept financial records, such a diary is an easy and enjoyable way to start doing it.
And if you are already advanced in the field of home finance, such a diary is a great opportunity to try something new and take it into service.
As usual, on the website of the MIF publishing house
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