This makes deductions and credits easier to locate. However, even if you are a part-time or salaried employee, you can still enjoy a less painful tax season by using a personal accounting software program to categorize your expenses. If you are an independent contractor, or you own a small business, you probably already know that keeping your receipts and expenses in order can save hours of time and a boatload of stress when filing your taxes. Personal finance software makes tax season easier Some software programs even offer bill pay capabilities these allow you to schedule automatic payments for all of your accounts through your financial management software. Personal finance software can help you avoid interest or dings to your credit score by alerting you via email or SMS when you have a minimum payment coming up. This forces you to pay back more later down the line. Missing a minimum payment doesn’t just hurt your credit score, it can also cause your account to accumulate interest. If you have multiple credit cards open, the chances are you’ve forgotten when a bill is due in the past. Personal finance software helps alert you when bills are due You can finally tell exactly how much you’re spending, and where, without sorting through seven different bank statements every month. Money management software programs aggregate all of your savings, debts, and credit accounts in one, convenient place. This makes it nearly impossible to determine where exactly your money is going when you analyze your spending by-hand. Off the top of your head, do you know how much money you spent on takeout last month? How much is your morning coffee habit really costing you a year? Most consumers have multiple credit card accounts, savings accounts, and debit cards that they use to make purchases. Why You Should be Using Personal Finance Software Personal finance software helps you analyze spending Best for High-Value Investors: Personal Capital.Best for Making a Budget: You Need A Budget.The Best Personal Finance Software Programs of This Year.What to Look for in Personal Finance Software.Why You Should be Using Personal Finance Software.
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