As you’re no doubt aware there are dozens, if not hundreds, of different software programs out there to help you rein in your household or personal spending. Your options when it comes to budgeting software extend from something like Excel all the way up to the Quicken range of personal finance and money management software. Each of these programs have a few flaws which can put people off using them but the biggest flaw we can see is that you have to install each of these programs onto your computer, and then to use them you’ll need to be physically at that same computer.
This is far from an ideal situation to be in when you find yourself miles from home and wanting to add, or remove, an item from your budget, but there are even more serious problems than just the location of your budgeting software.
Photo courtesy of Ed Yourdon
Here are our 3 favorite reasons why Card Nanny is better than any budget software you can download and install.
Card Nanny is a 100% online personal finance solution – it goes wherever you are. All you need to use it is a computer with Internet access and your login details. It won’t matter if you’re on your laptop or your tablet you’ll still be able to use our budgeting tool.
No Malware Risk
Downloading any software, including personal budgeting software, carries the risk of infecting your PC or Mac with a virus or spyware. When you use Card Nanny that risk simply doesn’t exist because of the advanced security features we use on our web server – there is simply no risk to you or your computer when you use Card Nanny because of its online interface.
Updates Are Automatic
When we make changes to the Card Nanny system they’re ready for you to use straight away, so there’s no need for you to go searching for updates or applying patches.
The days of looking for the best budget software to download are far behind you folks – Card Nanny is in your personal financial future instead.
We always pause for thought when anyone asks us a question like “So what’s the best budget software on the market today?”, because the “best” of anything is a very subjective thing at any time. From where we stand we’ve created the best online tool for managing a home budget and/or your personal finances, but of course as the creators of Card Nanny we’re going to say that. Where does that leave all the other products on the market in relation to Card Nanny then – are they all simply inferior?
Photo courtesy of Beverly & Pack
This goes back to the original question about the “best budget software” and when it comes down to it the vast majority of personal finance management packages are bloated with features which you’ll probably never understand and therefore you’ll never need. Even if you did understand what those functions did you’d probably struggle to find a purpose for them anyway, so there’s very little point in investing in a money management program which does things you don’t understand.
In addition to these features you neither understand nor need many of these packages actually gather data from your bank accounts, with the idea of combining everything in one single place. From the point of view of the team here at Card Nanny that exposes your personal financial information to unnecessary risk, so our system never asks you for the login details for your bank account, or any other type of financial account. The reason for this is that if there’s even a single security hole in your installed personal finance software all of your personal financial login details could be compromised without a hacker even having to try.
The user interface for Card Nanny is designed to be easy to use for anyone, plus it won’t take you hours to set it up and get started developing better spending habits.
Photo courtesy of Alan Cleaver
So if you’re asking us what we think the best personal budget software on the market is right now we can say, hand-on-heart, that you’re already looking at it. Not just because it’s ours, but because we, along with our customers, have tried the others and know that Card Nanny provides features unrivaled and not offered elsewhere.
When you’ve reached the golden years of your life all you really want do is relax and enjoy spending time with your grandchildren, and all those little life experiences you’ve been saving so long for. What many retirees don’t realize is that your pension and savings might not stretch quite as far as you might have expected. The reason for this is that health care is now helping grandparents all over the world extend their life expectancy by at least 10 more years than most people calculated for.
Photo courtesy of Patrick
So the very last thing you want to have happen is for your retirement fund to suddenly dry up and leave you looking for a way to earn money when you should be enjoying your days however you see fit. That’s why using the Card Nanny software makes perfect sense – it helps you organize all your income and expenses from one central location. A key part of our online budgeting system is the monthly budget planner, which gives you a breakdown of how you’re doing each month financially in the monthly overview itself.
Our monthly planner isn’t just a standard calendar where you can track what date it is because it also shows you color-coded expenses and sources of income each month. You can even set up repeating items to save you having to enter them manually every single month too of course. Another nice feature that we think older people will appreciate is the Payoff Calculator which shows you how long it will take to pay a specific debt based on the amount, term, APR and your current monthly repayment.
The real beauty of our system is that you don’t need any set of specific skills to be able to use Card Nanny; it’s just a matter of entering some basic financial information and then simply updating your account when you need to create a new entry. At least then when you check your monthly budget planner you know exactly where your money is being spent.
Card Nanny makes it easy for you to stay in control of your budget no matter what age you are.
The mere thought of having to create a family budget fills some people with nothing short of absolute fear, usually because they have no idea where to start. Do you use a paper based system or rely on a computer package instead? How will you keep accurate records and ensure that the budget is updated on a regular basis? These are just some of the questions people attempting to create a home or personal budget wind up asking themselves on a daily basis.
Photo courtesy of Marcos Bessa
Card Nanny wasn’t designed with accountants in mind, instead it was created solely for the purpose of helping the average Joe or Josephine to get a better handle on their personal finances. Based on our extensive market research we’ve seen that most people tend to live from week-to-week and paycheck to paycheck, due to no fault of their own. The problem here is that living this way means you have no real understanding of the current condition of our personal finances – how well or how badly you’re doing overall.
We’ve found that one of the many keys to being able to control your spending is to have a monthly budget to work with, this same monthly budget being a template for your spending habits. So instead of simply keeping a record of what you spend each day the monthly budget feature of Card Nanny allows our users to see exactly where your income is going, and also allows you to look for trends in your spending habits. The sad reality is that the majority of people reading this blog post may have terrible spending habits – what’s worse is they may not even realize it.
If you really want to get control of your finances and your spending then Card Nanny offers you a quick, easy-to-learn way to do exactly that. You don’t need to be a wizard with numbers and stats – all you need is to fill in a few blanks and Card Nanny pretty much does the rest of the work for you. If you’re ready to start living a financially stress free life and save money at the same time, give Card Nanny a chance and sign up for our service. You’ve got nothing to lose with our 30 day risk free money back guarantee, and if you ever need any help we’re just a Live Chat or email away.