Ultimate Budgets Free

ULTIMATEBUDGETS is a powerful personal finance manager.

It will help you plan your budget, manage your expenses, bills and analyse your finances through a vast array of features.

For a complete overview and tutorial, check out the website here: http://ultimatebudgets.kode-ninjas.com

ULTIMATEBUDGETS is unique in contrast to most personal finance managers available. It has been designed around the concept of 'Virtual Envelopes' an extension of the envelope budgeting principle to assist with the growing complications of budgeting in a ever increasing 'cash-less' world.

In addition to this, ULTIMATEBUDGETS also considers your personal income details as a critical data input. You cannot plan, budget or manage funds you do not have, and this information is fundamental to effective budgeting.

Envelope Budgeting is a simple and organized method of saving money for budgeted expenses and allowances. It is based on the theory that as you earn income, you put aside a specific amount into each budget envelope to cover the expense amount when it is due. Unfortunately this concept in practice can also complicate the process of finance management. When funds are physically taken out of secure accounts and disseminated amongst many budget envelopes, it can create difficulty when one is looking for a quick consolidated view of all funds.

ULTIMATEBUDGETS uses Virtual Envelopes, whereby envelope containers are used to organize your budget amounts only from a logical perspective. Physically, all funds still remain in the account the envelopes are linked to. ULTIMATEBUDGETS can then track and manage how much exists in accounts, plus what portion of this is assigned to any linked Virtual Envelopes. This provides a holistic view of real world funds while retaining all the fundamental benefits of envelope budgeting.

ULTIMATEBUDGETS is not just an Envelope Budgeting tool. It's a full featured personal finance manager that compares in functionality to most popular Desktop and Web Based personal finance applications. The features are to numerous to mention here. Check http://www.ultimatebudgets.kode-ninjas.com for a complete overview.

A fundamental requirement in personal finance is the effective tracking of all transactions. This is often cumbersome via Desktop and Online finance systems as transaction data must be stored until you next have access to the system. This leads to incorrect updates, or worse, no updates at all! This quickly creates poor data quality and as a result, poor personal finance management.

With ULTIMATEBUDGETS you have your personal finance manager with you at all times, right there on your phone! You can enter transactions as they occur with no requirements for Internet access and no need to remember your daily transactions till you get home.

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