Budgeting Successfully Makes Life So Easy!

I have been careful not to use the 'Success Stories' as a way of blowing my own trumpet (so to speak) but today I am going to let the story speak for itself.

Jane is an Accountant by trade so has a fairly good understanding of money. She recently e-mailed
me and told me of her experiences since purchasing my Simply Budgets software. This is what she said:-

Hi David,

Your hints and tips e-mails have been invaluable and the software has changed my life!

I feel so in control now of my financial life, so much so that I have booked my next overseas holiday
and am looking to purchase a second investment property.

I used to keep a detailed excel spreadsheet every month of my 'actual' expenses thinking that I was
'budgeting' but all it was doing for me was telling me that every month I was going backwards because I
was spending more than I earned! I did this for about 2 years and did manage to keep my head above
water but never really felt like I was getting ahead.

When my copy of Simply Budgets arrived, I spent days pouring over the book and working out how best to use the software for my needs. I realised I was able to look 12 months in advance and see exactly where I'd be instead of just knowing 'month to month'. I could then play around with allowing myself different amounts of 'spending' money each month and see how it affected the bottom line. I particularly liked the 'long term' expenses because they were always a killer when they seemingly unexpectedly popped up.

Now days instead of living 'month to month' on the excel spreadsheet I'm living 'year to year' with the
budgeting software. I don't panic anymore that I'm going backwards if the bank balance seems to go down one month because the software looks at the overall picture.

I have 2 mortgages (one home and one investment property) so my bank balance varies greatly within
the month. When I recently decided it was time for an overseas holiday I simply put the airfares and
accommodation payments in to my 'regular expenses' when they fell due and saw that I would still have
enough spending money come August, when I wanted to travel.

My husband and I plan to do the same thing when we start planning for a family at the end of this year,
we will put regular planned savings amounts into 'long term savings' until it's time for me to stop work, then I'll put an 'end date' on my income and the software will tell me how long I can afford to be off work before we start going backwards.

As you can see I really love the software!!

Kind regards,
Jane


There you have it; so now you know why I get excited in my work!

It is 5 years this week since I quit my job as a school teacher and I am so glad that I did. Almost 23,000 copies of Simply Budgets have been sent out in that time to people all over the world and I regularly get feedback like I got from Jane.