Reading PDFs is easy. Its recent interface redesign makes it much easier to navigate its robust toolset than the nested menus of yore. Windows 10 comes loaded with various backups tools , though their far-flung nature means relying on them is more of a cobbled-together solution than anything else. And you could always just drag your most critical files over to an external drive.
But premium backup tools can make backing up your data easier, or offer more robust options, or both. If you want to set it and forget it with minimal hassle, an online backup service is a great option, and storing your backups offsite can be a benefit if your home ever suffers from disaster. Once you get an online backup service up and running, it does all the busywork in the background with little to no input required from you. Not the cheapest service, but easily the most comprehensive. From our True Image review:.
You can back up to just about any kind of media or location, including removable, optical, and FTP. True Image , the latest version of the software, can even protect your computer from general malware. Mentioned in this article. Norton Deluxe. Acrobat Pro DC. The creators of Yotta found a way to keep the thrill while replacing the risk with an incentive to save and upping the odds of winning. Yotta provides a savings account with a middling yield.
Plus — fun. And our testers found themselves more engaged in their savings and motivated to save more. Financial concerns are one of the biggest sources of stress in couples. Honeydue, personal finance software built for two, has set out to make it easier. Honeydue offers the typical features of personal finance software, but also provides the ability to mark an account as joint or just the responsibility of one person in the relationship.
Additional couple-centric features include marking a transaction for splitting, or notifying you both when a bill gets paid — particularly helpful for couples who divvy up the bills. Shared finances are rife with critical conversations: What are our goals? How do we feel about the amount of debt we are carrying? Do one or both of us need to be earning more? No amount of software can have that conversation for you. Give every dollar a job! YNAB is the best personal finance software if you want to truly understand your money and its management.
The YNAB universe includes a blog, videos, a podcast, book and more. If you consider money as just one piece of living your best life, check out this handy little app and integrate financial habits into other practices you'd like to develop.
But we liked this one best for its combination of simplicity and flexibility. Did you do your thing today? A green check or red X shows you instantly where you stand. Boom, done. Nobody needs to be checking their credit-card statement daily. You get to set when and whether the app reminds you for each specific goal.
Hey, be nice - Excel is not just your Grandpa's personal finance tool. For anyone who loves to geek out on the numbers and to exercise total control over the slicing and dicing, nothing beats a spreadsheet. Excel wins over other spreadsheets for the sheer number of budgeting add-ons available -- including many excellent freebies.
The internet is rife with bloggers willing to share their tips, practices, and templates for using Excel as your personal finance software. Every product we mention here has a trial version, and we highly recommend that you take advantage of it. Think about who you are and what you want. With something as real as your financial goals, will gamification appeal, or turn you off because it feels frivolous?
Then take tools for a test drive with some real-world scenarios. You get the idea. The free plan only lets you connect two banks, and you have to manually categorize each transaction. Living on a fixed income can be a challenge. You earn the same amount each month but can have variable expenses. Maximize My Social Security analyzes your retirement benefits and helps you decide when to start collecting them so that you maximize your lifetime benefits.
The last thing any retiree wants is to not have enough to live on. The cash envelope system is a popular budgeting system. Mvelopes makes it easier to do in an increasingly cashless society. Instead of keeping a paper log at home, you can track your purchases online. Other money management programs track expenses by category, but you might prefer this envelope method.
These two plans also provide more guidance on tackling your debt. Maybe you have your spending habits under control and need investing help. FutureAdvisor provides free advice for your investment accounts. Most of your retirement savings are probably in your k account. Blooom offers a free k checkup. If they think they can optimize your k, you can have them manage your portfolio. You also have unlimited access to a financial advisor. This perk gives you a place to ask your money questions.
To make a budget, you need to choose another choice from this list. With this special link, you get your first month of Blooom free. Learn more at our full Bloom review. Banktivity 7 attempts to ease your frustration if you use software like Quicken. Except, you can still use your iOS device. To use Banktivity 7, you can connect your bank accounts or transfer your information from other budgeting apps. Beside spending, you can also track your savings rate, net worth and investment performance.
Since this is a premium app, you have access to more charts than free software. You can talk with them online for one hour. Other money management programs excel in helping you create a budget or track spending. Not as many offer a full long-term picture. MaxiFi tries to be a complete financial planning tool.
This app helps you estimate your retirement income and taxes, and track your money goals. MaxiFi will also make suggestions to help improve your money plan. These changes are intended to lower your tax bill, optimize your income and help correct your current spending habits.
Knowing how you spend and save your money has many benefits. And, this knowledge helps you plan for long-term goals.
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