I chose them because of this:


$30 cost includes free lifetime upgrades they have a “lite” version that is free, so you can try the product for free (limited to one account).
Simple to use and not bloated.
Lets you track Credit cards, bank accounts, investments, has reports and budgeting functionality.
I only have one gripe: I’m a programmer, and I would like to be able to access the data myself so I could write my own customized reports but I guess they don’t want to offer that option.

I keep wanting to write a piece of software myself that is specifically dedicated to helping people get out of debt. If anyone has ideas, things they want, I’d like to hear them.

Sorry for the delay in reply


My computer crashed (the old me would have gone out and charged a new one!!) HA, so alas I had to be patient!! he he he
You can create and manage a budget on Quicken. It can get complicated, but once you figure it out and get all the categories to line up with Dave Ramsey’s work works nicely. If you have Quicken it is under the “planning” menu and then click on budget. It is tricky to set up, but I like having everything integrated.
I use quicken as a tracking “during” the month. For instance I have all the monthly cash flow categories entered in there so all I have to do is enter it in, I can split my receipts (ie Wal Mart has grocery and home repair) it helps us to REALLY see where our money is going.
Hope that helps!! Good Luck!

I keep my debt snowball information in Excel


but use this package to manage my budget, checking acct, emergency fund acct, and savings acct for non-regular spending (car repair, Christmas, clothes, etc). What I like best is the graphical layout/interface of the application. It puts your money in “envelopes” and lets you group them however you like. You can always pull a history on each envelope to tell you where your money is going. It also lets you run reports to see various information. You can track credit cards & loans in the software but I prefer to keep my debt snowball tracking in Excel.

I’ve used both Money and Quicken in the past. Like them both but never seem to keep the updates going more than a month or two. Still have to enter transactions here. However, the layout seems to give me a better picture of my money which has somehow motivated me to keep up with it.

Good luck!

My problem with Quicken is


that fewer and fewer of my financial institutions make their data available in the form that Quicken recognizes. For me, the advantage to Quicken was that I could download recent transactions straight into the program. It was a lot faster to go through and reconcile that way than it is if I have to manually enter all the transactions.

I have my own business and Quicken does make it easy come tax time to track expenses for tax purposes, but I’m looking into switching to a different program that will recognize the form in which my bank offers the information for download.

Since I did my own taxes for the first time this year, and chose TaxCut, I’d like the program to be compatible with that program as well.

Actually, I have a financial software package on my computer


but I actually prefer to use a spreadsheet. That’s my preference. We own a computer networking and service business. I can tell you that most people put 1 month of information in their Quicken, or MS Money, and never use it again. 🙂 I do have ONE friend who actually uses her financial software, she prints checks with it, and such. This was her husband’s idea. She doesn’t seem too fond of the software herself.
Frankly, I haven’t even checked to see what functions are in Quicken for quite a few years.

Haters aka motivation


I have found out being debt free makes you a target for haters. I have had numerous people talking junk about us since we paid off our house and they are all family. You know the type. The Dave Ramsey followers are crazy type people. I guess I must be doing something right ! LOL So, today everyone get up , kill some debt and make those haters hate ! You got this babyyyyyyyyy !!!!!

One of the schools that I work at had a broken pipe in the ceiling yesterday around lunch time


Water was coming down around the light fixtures and there was all sorts of concern about student safety. First, we evacuated into freezing weather and then got the okay to hang out in the gym. Many students were without their coats. Six classrooms were flooded and it was too dangerous to go in and get students’ backpacks or coats. What a mess. There were angry parents because we would not risk kids getting electrocuted just so they could get their things. We gathered up all spare coats and blankets and sent kids with these parents with what we could. A couple of teachers gave away their own sweaters and coats and then parents get angry. They should be thankful that we kept the kids safe and did our best to keep them warm.

It has been mandated this week that everyone in our areas


(northern Michigan) keep one faucet dripping at all times with a stream of water the size of a pencil eraser, and the water must be warm. I’d always thought a drip was sufficient, and hadn’t any idea that the water needed to be warm, either. Those with a well (such as ourselves) need to keep the faucet the furthest from the well streaming continously at this time. I just thought this was interesting and informative info to have on hand. I’m sorry you’re experiencing this problem. I’ve dealt with broken/frozen pipes before, and it was very expensive to deal with (vacant home with extensive water damage).