Easy budgeting without envelopes
Several people pledged to start living by a budget after our recent study on escaping the debt trap. Pear Budget is an easy, free tool that can help. It works inside a spreadsheet but you don’t have to know how to use a spreadsheet to use it because the programmers have done all the work. You just fill in the blanks with your own numbers. The makers say it takes 20 minutes to set up and 10 minutes a week to maintain.
This downloadable version of Pear Budget works easily in Excel. They say that it works with “almost any spreadsheet program” but I wasn’t able to get it loaded in Quattro Pro when I tried it this morning. A web-based version is coming soon, and you can sign up to beta-test it at their site.
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Since not everyone has access to MS Excel, have you tried MS Works? I will get and try a few other spreadsheet versions and if anyone wants assistance let me know.
I don’t have MS Works easily accessible to me, but Pear Budget opens in Open Office which is a free open-source office suite available for download at openoffice.org.
I can download and place on a disc Open Office and Pear Budget if anyone would like. I have a spindle of Pocket CD-R’s (about the size of a 3.5″ floppy) that will hold about 210Mb of data.