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A Comparison of Personal Financial Tracking Methods: Expense Tracking vs. Balance-Based Tracking

A Comparison of Personal Financial Tracking Methods: Expense Tracking vs. Balance-Based Tracking

by admin | Nov 7, 2023 | Finance Basics

Issues with the Expense Tracking Method The Expense Tracking Method, commonly known as budgeting, involves the detailed recording of daily income and expenditures, maintaining account balances, categorizing and summarizing expenses, creating budgets, controlling daily...
Money-Weighted Rate of Return – Loan and Investment Programs Selection

Money-Weighted Rate of Return – Loan and Investment Programs Selection

by admin | Jun 14, 2023 | Finance Basics

Recommend checking the table of contents first.Spreadsheet calculation of the MWRR for cash flowsThe Meaning of the MWRRComparison of loan and investment programs – Application of MWRRWhich bank’s loan program should I choose?I have many loans; should I...
How to Turn Financial Planning into Real Progress — 4 Steps That Actually Work

How to Turn Financial Planning into Real Progress — 4 Steps That Actually Work

by admin | May 27, 2023 | Financial Goals

Amy had been saving diligently for years.She set up automatic transfers, avoided unnecessary purchases, and read every article about “financial freedom.”Yet when she finally ran the numbers for retirement, the truth hit hard — she was nowhere near her goal. Sound...
Why Your “Investment Return” Isn’t What You Think — The 4 Ways to Measure It

Why Your “Investment Return” Isn’t What You Think — The 4 Ways to Measure It

by admin | Oct 5, 2022 | Finance Basics

You open your investment app — it says your portfolio is up +12%.Feels good… until you check your account balance and it’s barely moved.What’s going on? Did your app mess up, or is the market lying to you? The truth is neither.Your return isn’t wrong — it’s just...
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Recent articles

  • How to Use Vision Money to Plan and Track Savings on Irregular Income
  • How to Budget on an Irregular Income (Without Losing Your Mind)
  • How to Use Vision Money to Save Consistently — Even When Money Is Tight
  • Why You Still Can’t Save Money (Even When You Don’t Overspend)
  • Why Your Debt Repayment Plan Keeps Failing (Even When You’re Trying Hard)

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Recent articles.

Why Do I Budget So Hard… Yet Still Can’t Pay Off Debt on Time?

Here’s the truth up front:The problem isn’t your discipline. The problem is that you’re missing two things: A big-picture indicator to check if your repayment plan actually works. A way to account for past shortfalls that silently grow into craters. Two overlooked...

Free Budgeting: Spreadsheet, Paid Apps, or Vision Money?

Why Everyone Is Looking for a Free Budget App Search “free budget app,” “budget spreadsheet template,” or “free Excel budget” and you’ll see thousands of results. Why? Because budgeting always starts with one need: people want to save money. But here’s the problem:...

A Comparison of Personal Financial Tracking Methods: Expense Tracking vs. Balance-Based Tracking

Issues with the Expense Tracking Method The Expense Tracking Method, commonly known as budgeting, involves the detailed recording of daily income and expenditures, maintaining account balances, categorizing and summarizing expenses, creating budgets, controlling daily...

Money-Weighted Rate of Return – Loan and Investment Programs Selection

Recommend checking the table of contents first.Spreadsheet calculation of the MWRR for cash flowsThe Meaning of the MWRRComparison of loan and investment programs - Application of MWRRWhich bank's loan program should I choose?I have many loans; should I choose from...

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