Average Wage Earner Budget Manager
Average Wage Earner Budget Manager provides a powerful yet inexpensive way to tackle household money concerns such as saving on grocery bills, planning for a dream vacation, and managing finances. ..
With an organized budget, you usually have money left over to do extra things. To help you make wise decisions, Budget Manager provides a Finance section loaded with information.Savings
For example, you may want to start a savings or investment program. Using the Savings feature, you tell Budget Manager the amount of your monthly deposits, the annual percentage rate (APR) your investment account bears, the number of monthly deposits you plan to make and the current amount in your account. Then, after you indicate whether your deposits are made at the beginning or end of the month, Budget Manager informs you what the future value of your investment will be at the end of your program. You can use the Savings window for any program that involves regular monthly deposits into an interest bearing account for a set period of time - savings, annuities, etc.Loan Payments
Are you interested in purchasing a needed or wanted item on credit? Sometimes that may be necessary but careful consideration is very important. If you tell the Loan Payments feature the amount you wish to borrow, the expected annual percentage rate (APR) of your loan and the number of monthly payments you would like to make, it will tell you what you can expect to pay per month for the loan itself. As with most of the Finance section windows, you will need to indicate whether your deposits are made at the beginning or end of the month.An interesting and informative part of the Loan Payments feature is its ability to display an Amortization table that shows you the full payment, the principal part of it and the interest portion of each monthly payment. This table also displays the full payments, principal payments and interest payments for each year your loan continues. In this way, you can keep track of exactly how much you are paying in interest and principal each payment and each year. By the way, this feature comes in handy during tax time, if you are itemizing your deductions and would like to project interest amounts on deductible items such as a home loan.Loan Interest Rate
The Loan Interest Rate window works similar to the Loan Payments window, however, its output is the annual percentage rate of your loan. That is, it tells you what APR you need to borrow at to achieve a certain monthly payment amount for a loan.
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