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Budgeting Worksheet Tip : Ease of Use and Professional _ The biggest complaint about budgeting is that it's too hard and takes too much time. Look for something that not only does all of the above functions, but is also easy to use from the get_go. The forms should be intuitive, easy to identify the cells to fill in data, and easy to read print out report. Finally, my gauge of a truly excellent budgeting worksheet is to ask yourself, "Is this a report that I'd be comfortable taking to a financial planner, banker, or other professional for further advice or coaching?" If the answer is yes, then you've done a good job!

With Virtual Envelopes your money is not only safe but you can access your accounts any time from the convenience of your computer at home. You will be able to see the account and sub_account balances for each of the budget categories. You will also be able to move money from one budget category to another when necessary and also move money into your checking account when it's time to pay bills. What could be better? Virtual Envelopes are based on the proven fundamental budgeting technique of Cash Envelopes, but thanks to modern technology can now provide the ultimate safe, convenient, and flexible solution for your monthly money management.

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