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I got that total down to $150, and still got all my beer and smokes, yeah. Last week we spent $174 on groceries, this week, $68 (we checked what we had in the cupboards/fridge this time before going), saved $100.

Many guys do not like to go to bars or night clubs. I get it. You have to speak over the loud music and deal with lots of drunk people. To add insult to injury, drinks and entrance fee can be bankrupting to your wallet.

I guess this means that after I do the updates I have to go to each of my bank sites and double check. I switch to Quicken Home and Business to replace Microsoft Money Small Business as it will no longer be supported. My confidence in that regard is thin. The interface is daunting, to put it mildly.

I was fairly content with Home and Business 2008. The only reason I downloaded 2011 is because I want to access certain accounts that 2008 cannot, such as my 401K with ADP, my kids 529’s with New York State, and a savings/loan account with Sallie Mae. Unfortunately, if you want to download transactions from bank account, credit cards, etc, you have no option but to upgrade every three years. I’ve been using Quicken for more than 10 years, and my 2007 version suddenly stopped working properly a couple weeks ago. Most financial institutions will let you download the past ~90 days of information into Quicken. If you want any information earlier than that Quicken has NO easy way to enter this information in bulk, and suggests that you get to manually entering info one transaction record at a time.

Its reporting features are weak. You can look at totals in a budget category, and clicking on them will show you graphs, but in this area you cannot get to any detail to analyze the date within a category. I followed the setup guide and searched through the user forums to help me figure out one or two things that I didn’t understand at first. Go to the FAQ section of their user forums to find the “cheat sheet” to get started on the right foot.

It’s like increasing the distance between you and the car ahead when driving on ice! I still use Quicken but their budgeting feature leaves a lot to be desired.

It became abundantly clear that the whole process was broken, so I went back for a refund. At least I don’t have to spend time chasing down little problems. It isn’t perfect, and I haven’t quite figured out how use some of its functionality - in particular tracking our investments, but overall I’m quite happy. My bank said they cannot download my transaction to this accounting software because they do not use the newest file transfer systems. It works great and I’m constantly using it every time I making a transaction. It is really helping me keep track of my money whether it goes in or out.

Users are eager to help explain the four rules or provide general financial advice in terms of budgeting. Jesse, the creator of YNAB, frequently visits the forums to answer questions, and it impresses me how much user input from the forums he takes and puts directly into the software. I could never get all the numbers from all the accounts to match up. I could never grasp where my money was or where it was going.

For most people, visiting Italy is a major cultural vacation that takes a lot of planning. Italy vacations usually mean a long flight, currency exchange and language barrier once you arrive. Signing up for specific Italy vacation packages can make the whole experience a little less hectic and ensure you get to see all the sights you’d hoped for. A tour of Italy generally includes several historic regions and buildings. Italy tours may end up being relatively costly compared to some other vacations, but the experience is well worth it. Plus, taking advantage of Italy vacation packages will likely give you a break on the cost.

When people are considering going to small claims court, they often wonder if they need representation. An attorney is not necessary in this section of the justice system. Most people used this division to file claims of less than $500. Anyone can file a claim against another person for whatever reason. This can be a stolen item or items they felt they lost during a breakup. There are many reasons why people will bring a case in front of a judge.