Comments for My Money Is Smart http://mymoneysmart.wordpress.com The magic of personal budgeting Thu, 11 Jun 2009 14:39:42 +0000 http://wordpress.com/ hourly 1 Comment on From financial ruin to full bloom, you can do it by irit http://mymoneysmart.wordpress.com/2008/04/24/hello-world/#comment-89 irit Thu, 11 Jun 2009 14:39:42 +0000 #comment-89 . מעולה שבמעולה. chapeau !!! " was a simple Excel budgeting spreadsheet that I created. Every aspect of my financial picture was in that Excel sheet, and it worked back then and still works wonders for me now because I know about every penny that I have coming in and going out, and oh how easy it has become to steer away from all kinds of pitfalls such as spending more than I can afford." same same.......and chapeau !!! again. .
מעולה שבמעולה.
chapeau !!!

” was a simple Excel budgeting spreadsheet that I created. Every aspect of my financial picture was in that Excel sheet, and it worked back then and still works wonders for me now because I know about every penny that I have coming in and going out, and oh how easy it has become to steer away from all kinds of pitfalls such as spending more than I can afford.”

same same…….and chapeau !!! again.

]]> Comment on OOTD Budgeting Editions by Shony http://mymoneysmart.wordpress.com/control-master-edition/#comment-53 Shony Thu, 16 Apr 2009 17:26:02 +0000 http://mymoneysmart.wordpress.com/?page_id=3#comment-53 Thanks for your comments everyone, we are very encouraged by the enthusiastic support and while the numbers are not there yet to justify development at this time, interest is growing and we have also noticed that a discussion on this topic started on the OOTD users Billboard, which we will follow as well with interest. Thanks for your comments everyone, we are very encouraged by the enthusiastic support and while the numbers are not there yet to justify development at this time, interest is growing and we have also noticed that a discussion on this topic started on the OOTD users Billboard, which we will follow as well with interest.

]]> Comment on OOTD’s beat the economic crunch challenge by Teresa & Marsh http://mymoneysmart.wordpress.com/if-we-can-understand-the-flea-market-we-can-understand-the-us-economic-crisis/#comment-45 Teresa & Marsh Sun, 29 Mar 2009 21:46:38 +0000 http://mymoneysmart.wordpress.com/?page_id=28#comment-45 We are both early 30s employed career professionals both well paid, no kids, two expensive cars, a boat, one motorcycle and an expensive appartment which we own and carry a large mortgage on. One of us has recently became unemployed as a result of the economic crunch and we have plunged into a situation where our combined income was no longer sufficient to support paying, the mortgage, cars, boat and motorcycle loans. With no certainty as to how long we might have to live on one income, we have taken immediat drastic steps to mitigate our new situation by selling the boat, motorcycle and both cars, paying all related loans and buying a significantly less expensive single car for both of us. We than took a hard look at our new situation with one income and embarked on a strict budget. A friend told us about the OOTD free budgeting website and we opened an account here and created a budget that stretched our single income very tightly to support paying the mortgage, maintaining the cheaper car and managing with the rest for our bare necessities. Our budget helped us being as frugal as we need to be now to get by until things get better without losing our appartment, and it became very clear that without a good budget we could not succeed. It's hard to follow a drop in our standard of living, but if you remind yourself that money is something that comes to us today, can go away tomorrow and come again another day, it's easy to part from stuff in life and concentrate on the real issue of survival. If we hadn't taken the drastic steps as we did we know that we would have lost the appartment too. Now we no longer dine out but we feel strong because we know that we live within our means and as such will be ready to build again from this position when we can without having lost our home. It's true what they say about budgeting, it's crucial to help keep us away from the debt prison and help us live within our means. And we also realize that even when prosperity come upon us again, we will remain frugal at heart. We are both early 30s employed career professionals both well paid, no kids, two expensive cars, a boat, one motorcycle and an expensive appartment which we own and carry a large mortgage on. One of us has recently became unemployed as a result of the economic crunch and we have plunged into a situation where our combined income was no longer sufficient to support paying, the mortgage, cars, boat and motorcycle loans. With no certainty as to how long we might have to live on one income, we have taken immediat drastic steps to mitigate our new situation by selling the boat, motorcycle and both cars, paying all related loans and buying a significantly less expensive single car for both of us.

We than took a hard look at our new situation with one income and embarked on a strict budget. A friend told us about the OOTD free budgeting website and we opened an account here and created a budget that stretched our single income very tightly to support paying the mortgage, maintaining the cheaper car and managing with the rest for our bare necessities. Our budget helped us being as frugal as we need to be now to get by until things get better without losing our appartment, and it became very clear that without a good budget we could not succeed.

It’s hard to follow a drop in our standard of living, but if you remind yourself that money is something that comes to us today, can go away tomorrow and come again another day, it’s easy to part from stuff in life and concentrate on the real issue of survival. If we hadn’t taken the drastic steps as we did we know that we would have lost the appartment too. Now we no longer dine out but we feel strong because we know that we live within our means and as such will be ready to build again from this position when we can without having lost our home.

It’s true what they say about budgeting, it’s crucial to help keep us away from the debt prison and help us live within our means. And we also realize that even when prosperity come upon us again, we will remain frugal at heart.

]]> Comment on OOTD Budgeting Editions by Teresa http://mymoneysmart.wordpress.com/control-master-edition/#comment-44 Teresa Sat, 28 Mar 2009 19:24:38 +0000 http://mymoneysmart.wordpress.com/?page_id=3#comment-44 My personal budgeting here has become central to my financial living with tangible results since I started using OOTD alsmost a year ago, I would not think twice about paying $20 per year for this major addition to give me ultimate control over where my money is going. I am hoping for sufficient user support to make this happen. My personal budgeting here has become central to my financial living with tangible results since I started using OOTD alsmost a year ago, I would not think twice about paying $20 per year for this major addition to give me ultimate control over where my money is going. I am hoping for sufficient user support to make this happen.

]]> Comment on OOTD Budgeting Editions by Don and Ria http://mymoneysmart.wordpress.com/control-master-edition/#comment-43 Don and Ria Fri, 27 Mar 2009 19:51:14 +0000 http://mymoneysmart.wordpress.com/?page_id=3#comment-43 For up to 20 bucks a month for sure we will go for it. The awesome control of knowing where every penny goes for all the budget categories is too sweet to resist for just a cup of coffee per month. You have our votes. For up to 20 bucks a month for sure we will go for it. The awesome control of knowing where every penny goes for all the budget categories is too sweet to resist for just a cup of coffee per month. You have our votes.

]]> Comment on OOTD Budgeting Editions by Rachel http://mymoneysmart.wordpress.com/control-master-edition/#comment-42 Rachel Thu, 26 Mar 2009 18:28:03 +0000 http://mymoneysmart.wordpress.com/?page_id=3#comment-42 Having used the free edition for 6 month now I would love to have total control over all my budget categories through transaction details, and would be more than willing to pay up to $20 per year which I figure amounts to less than one cup of coffee per month. Having used the free edition for 6 month now I would love to have total control over all my budget categories through transaction details, and would be more than willing to pay up to $20 per year which I figure amounts to less than one cup of coffee per month.

]]> Comment on OOTD Budgeting Editions by Ray http://mymoneysmart.wordpress.com/control-master-edition/#comment-41 Ray Wed, 25 Mar 2009 17:00:25 +0000 http://mymoneysmart.wordpress.com/?page_id=3#comment-41 I have used the Power Budget edition for over three month now and I would gladly pay up to $20 per year for the Control Master edition with all the categories offering transactional control. I have used the Power Budget edition for over three month now and I would gladly pay up to $20 per year for the Control Master edition with all the categories offering transactional control.

]]> Comment on From financial ruin to full bloom, you can do it by Shony http://mymoneysmart.wordpress.com/2008/04/24/hello-world/#comment-4 Shony Fri, 22 Aug 2008 04:00:37 +0000 #comment-4 ============================= New OOTD Function - E-mail Monthly reminder ============================= Settable monthly reminder via e-mail is now available. Most useful as end of month reminder for those closing the actual budget and producing a budget report at month end, but you can set it to any day of the month. To set or view your reminder, click the reminder option link on the right hand side. =============================
New OOTD Function – E-mail Monthly reminder
=============================
Settable monthly reminder via e-mail is now available. Most useful as end of month reminder for those closing the actual budget and producing a budget report at month end, but you can set it to any day of the month. To set or view your reminder, click the reminder option link on the right hand side.

]]> Comment on From financial ruin to full bloom, you can do it by Shony http://mymoneysmart.wordpress.com/2008/04/24/hello-world/#comment-3 Shony Fri, 22 Aug 2008 03:44:12 +0000 #comment-3 ============================ Major Enhancement - Modifiable Categories ============================ OOTD categories are now user modifiable, so you can change any category name (and description text too) to whatever you want. Just click that little blueish question mark bullet by the category, to modify it. ============================
Major Enhancement – Modifiable Categories
============================
OOTD categories are now user modifiable, so you can change any category name (and description text too) to whatever you want. Just click that little blueish question mark bullet by the category, to modify it.

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