Information for individuals in debt in Australia. Fox Symes examines the debt options available, including debt consolidation, debt agreements, mortgage refinancing, informal agreements and bankruptcy.

Mortgage Calculator is a program that allows you to list, evaluate and compare various mortgage offers. For each offer Mortgage Calculator computes a number of values including monthly payment, total sum to pay, the amount of principal and interest left on a particular date, and the total amount of interest for the whole loan term. It generates an amortization schedule which helps you visualize how the amount of the debt decreases throughout the loan term. Compare several schedules to see which loan project serves your needs best.

Accounts and Budget gives you all necessary tools to manage your budget and your bank accounts. Manage your expenses, income and transfers ordered by categories. Consult the summary of transactions. Plan your budget and display the budgetary differences. Plan your periodic transactions. Choose foreign currencies. Manage your portfolio. This software is easy to use and you can set a profile to adapt the software to your needs !

	Easily and quickly manage your daily personal financial affairs such as cash, savings, checking, credit cards, liabilities, creditor's rights, loans, investments, insurance, budgets and so on with 33 types of reports or charts.

	This free real estate calculator for Windows helps you determine whether purchasing a home or renting is your best option. Free Rent or Buy Calculator is a real estate calculator designed for Windows 95, 98, ME, NT, 2000, and XP systems.

CapLendar is an easy to use calendar. Have you ever wrote down notes (incomes, expenses or events) on a real paper calendar and wished you could do the same on your computer? Now you can... Here is an overview of what you can do with this software: Select a background picture for each month; Select a color set to match each month picture; Protect your file with a password (AES encryption); Print up to seven events per day/cell; Preview and print the calendar; Manage a list of events that occurs on daily, monthly, weekly, biweekly or yearly basis (Auto-Events); Manage a list of events that lets you carry a balance (Debt/Savings); Keep track of your family, friends and specials birthdays; Get a summary (incomes minus expenses) for the selected day, month, week or for a two weeks range; Get a summary chart; Lots more.

Family Budget is a powerful and easy-to-use program to analyse your family budget. All expenses in your family are separated to expense categories and items. Against many other programs you can add any categories and items you need. Family Budget can show you many types of statistics. With this program you'll be able to understand to what things your family spends most of all money, and whom takes most of your family expenses.

	This application will help you manage your day-to-day financial affairs. You can record all your incomes and expenses, record bank transactions, and organize and analyze all your financial transactions.

SoftBanking is a FREE personal income and expense-tracking program. It supports all the features required for home accounting needs: - Create unlimited number of categories to assign your transactions. - Assign a spender to your transactions. - Create yearly and monthly chart statistics. - Use filters to study your account with as much or little details as you like. - Manage separate accounts. - Protect each account with its own password. - XP-Style interface.

	This free loan payment calculator for Windows allows you to quickly calculate loan payments based upon variable payment frequency! Offers Daily 365/year, Daily 360/year, Weekly, Biweekly 26/year, Bimonthly 24/year, Monthly, Quarterly, Biannual, and Annual payment periods. Free Loan Calculator is a financial calculator designed for Win9x/ME/NT/2000/XP systems.

Mortgage Advisor is a powerful yet easy to use program that allows you to calculate, analyze and optimize your mortgage. One of its most useful features is the ability to demonstrate the effect of additional payments on your mortgage. By using this feature you can learn how to pay off your mortgage sooner and save money at the same time. You can also view a detailed schedule of your mortgage over time, perform "What if" calculations and more.

An extensive and easy to use collection of financial tools and calculators aimed at both home and professional users. Features include: Mortgage Analysis, Retirement Analysis, Personal Budgeting, Investment, Savings & Annuity calculations, Future & Residual Value calculations, Planning for your children's education, Interest rate conversions, Inflation calculations and more. It even includes a lottery ticket generator (for when all else fails).

With so many everyday expenses involved in running a household it's essential to plan ahead by creating a monthly budget. Budget Advisor makes keeping track of your monthly budget quick and easy. You can use existing budget categories and items, or you can create your own. Detailed reports and a graphical breakdown of your budget are provided allowing you to see whether you are budgeting effectively.

	MAKE$.CENTS Envelope Budgeting Software also featuring combined registers for better credit card management. Reconcile Checking, Credit Cards, and Other Accounts. Proactive Budgeting. Systematically get out of credit card debt and save for retirement. Proactive personal finance software for Windows.

Family Budget is a powerful and easy-to-use program to analyse your family budget. All expenses in your family are separated to expense categories and items. Against many other programs you can add any categories and items you need. Family Budget can show you many types of statistics. With this program you'll be able to understand to what things your family spends most of all money, and whom takes most of your family expenses.

AceMoney makes it easy to manage multiple accounts of different types, create and manage budgets, juggle finances in multiple currencies, track spending habits, record expenses, transfer among accounts, and even do on-line banking. Account information can be shared or password protected. Scheduled backup is automatic. Many other features are instantly usable without prior experience in accounting!

	AceMoney makes it easy to manage a checkbook, create and manage budgets, juggle finances in multiple currencies, track spending habits, record expenses, transfer among accounts, and even do on-line banking. Account information can be shared or password protected. Scheduled backup is automatic. Many other features are instantly usable without prior experience in accounting!

Helps home buyers calculate the financial scenarios related to the purchase of a new home. This full-featured program includes 13 calculators, a Mortgage Qualifier, 2 Loan Amortizers, Loan Spread Calculator, a Bi-weekly Payment Calculator, a Refinancing Calculator, an Estimated Closing Cost Calculator, Home Sellers Proceeds and Prepayment Calculator. Includes a Documentation List to help you gather your paperwork and a Home Inspection form.

Retirement Planner will help you list your expenses, assets and investments to project your financial needs now through the remainder of your career and into retirement. The program uses simple worksheets for input, allowing you to enter personal data, investment data, assets, income and expenses. The program automatically compensates for the time value of money, the calcuations are internal to the program so you as a user don't need to fill sheet after sheet with complex calculations. The graphical output projects your net worth on a monthly basis from now to the end of your retirement. The graph is adjusted for all you montly living expenses, the return on your investments and inflation as well as income taxes and social security payments. Another graph shows future income vs expenses over the same period of time, revealing any periods where expenses outstrip income, leaving you vulnerable. The program allows each scenerio to be saved to a named file, you can easily develop multiple scenerios and compare the results. You can print the data and graphs for each scenerio. The on-line users manual contains complete, screen by screen instructions on how to use the program as well as an overview of the retirement planning process.

Simple, focused and flexible, this Microsof Excel application has two main purposes. Firstly, you can use it for transaction management: keep track of bills, deposits and transfers, reconcile your bank accounts. The system helps to quickly pick up overdue bills, mark transactions as "reconciled", etc. Secondly, it is a powerful analysis tool, which allows you to generate cash flow plans for multiple years in advance, visualize these plans, identify trends, savings opportunities. Cash Flow Planner acts as a true decision support system, providing bottom line information in "what-if" scenarios. Your data is stored in an Excel spreadsheet which is a format supported by numerous software vendors and online services (such as banks, credit card companies, etc.).

The Budget Planner V2.0 is a real budget manager! You don't have to calculate a thing! The Budget Planner does absolutely everything for you except the grocery shopping! The Budget Planner is fully customizable - it allows you to add any item description to your budget with any amount and within any timeframe you choose, (eg. weekly, fortnightly, monthly, quarterly or yearly), then generates a budget report for you to learn from or live by. That simple! Take the Budget Planner for a 'test drive' and you decide!

	3click Budget - Your personal Finance Manager. The easy way tracking your money. Detailed reports and graphics illustrate where your money flows. This allows you to increase your savings. Unlimited budgets, accounts and categories. Exchange data with third party programs. Microsoft .Net Framework and MDAC is required.

How much money is that light left on all night costing me? Or that stereo that just seems to never stop playing from the kids room? How about which of my household appliances contribute the most to my monthly energy bills? Watt-U-Use has the answer. This household utility application calculates by any two of wattage, voltage, amperage, shows a comparison between the least and most expensive appliance, calculates cost per hour and cost per day for each appliance, calculates an estimate for the next utility bill, shows your estimated energy bill for the month, quarter and year,lets you add any appliance (lights, stereo, washingmachine etc), allows for any discounts or rebates on energy bills, calculates kilowatt hourly charge rates, view, save and print report features. Help features using built-in webform. Fully customized with new, insert, edit and save functions

Always know exactly how much you have left to spend, instantly know the impact of every spending decision, automatically do all your home budget tracking,effectively manage credit card spending, create an easy to use household budgeting plan, recover 10% a month from your income from hidden spending, have multiple budget plans open (great for extended families). You add the items, amount and frequency and the Budget Planner keeps track of everything. Add anything you want from income tax, medical expenses, car payments, mortgage payments, ad-hoc payments, investments, insurance payments, auto maintenance, utilities usage, home improvements and even expenses on eating out and entertainment and the Budget Planner will let your know where you are financially at the end of any given timeframe. Full save, print, report and preview options. Online help and graphchart.

Value Trend Indicator with How to Get Rich and Stay Rich Value Trend Indicator A comprehensive personal financial program that provides calculations, projections and graphs for; Saving Investing Retirement Mortgages Stocks 401(k) Plans Mutual Funds Compare and determine the value of company share prices and recognize growth stocks/mutual funds in advance of the market. A database management system records, tracks and graphs individual stocks, mutual funds and all popular stock market indices such as the Dow Jones Industrial Average. Extract records for any period from database. Excellent On-Line Help guides you through each progam feature. Changes:Mortgage allows percentage increase in Principal Interest payment.

Keep your checking accounts organized and stop working math problems. Let Just Checking balance your checkbook. The program is simple but there are powerful tools included. The interface resembles a checkbook register. When you add deposits or withdrawals, Just Checking automatically shows you the remaining balance. Reconciliation is a snap. Just mark the deposits and withdraws Cleared and compare the Bank Totals with your bank statement. Features include check printing, password protection, bill reminder, expense summary, and the ability to import statements from your banking web site.

Simple banking has four main components - Bank accounts, Credit cards, Loans and assets. Each of these components provides you with financial management tools and timely information.The data entered into these financial databases can provide you with important information for making financial decisions. Simple Banking is a complete package for determining your net worth. It allows you to enter all of your assets and liabilities. The assets database provides you with the ability to record assets that you consider valuable. A coin collection, a painting, etc. The asset database provides you with the ability to record information for insurance purposes. You can record your model of your home computer, current value, and other information in case of a theft or fire. A good example of saving money would be entering your credit card debt into the Credit Card Database. The Credit Card database will calculate how long you have before you pay off you loan. By changing your payment structure you could save hundreds or thousands of dollars. Highlights: You balance your checkbook. You track your expenditures. You might change your spending habits and save money. Simple Banking can be personalized. Simple to use, but it still provides the user with advanced system features

New Features Include: Advance reporting features Enhanced taxation reporting Foreign currency calculator RSP analyzer Loan calculator Retirement calculator Todays investors know better then to put all their eggs in one basket. Likewise, their investments are often with several banks and investment firms. The Investment Tracking System can track and analyze all of your investments. Whether the investor has all of their investments with one or more firms, the Investment Tracking System provides detailed and concise information on your entire financial portfolio. You the investor are in the drivers seat, and as such, you have complete control over portfolio and financial holdings. Highlights: To provide the investor with a complete and detailed picture of their total investment portfolio. To be flexible. The Investment Tracking System allows an investor to track their investments on their own update frequency. The portfolio can be updated weekly, monthly, quarterly etc. To save the investor time by providing fast and easy investment updates. To provide quick navigation and manipulation of the financial portfolio, so you may reach required information quickly and easily. To provide a minimal learning curve, that allows the software to be learnt quickly, and to be used efficiently. The Investment Tracking System contains many help menu "Hot Spots", that provides help and suggestions for any situations. To provide numerous detailed financial graphs, charts and reports that give the investor a graphical representation of what their portfolio looks like. To be easy to use no matter how much computer experience. Although the Investment Tracking System is easy to use, it still provides the user with advanced system features.

	Easy Street PPS is software for personal self-help and self-improvement. You set your goals. Easy Street PPS keeps you on track to get you where you want to be. Download a free fully functional trial version from www.genieworks.ca/downloads.asp

	Learn how to setup a budget to eliminate your debt and save thousands of dollars in interest payments. Just enter all of your debt information and the SetupABudget Debt Elimination Software will provide you with a plan to become debt-free.