The release date for Smart Money Manager is almost here! The weeks of planning and testing this great little piece of software, building sales pages and having it tested and evaluated by others is almost over!

Hopefully sometime over the weekend it will finally be ready. The sales page is Right Here, although the payment button has been disabled until the final moment.

The Smart Money Manager is a versatile budget planner that generates spreadsheets for different purposes, including household budgets, leases, loans and so on. The program requires MS Office, MS Works or Open Office Calc Free Download Available here!

Budget planning is essential, for individuals, family and business. Smart Money Manager fits neatly into the personal/family market, and is priced to sell at just $7.00. I was originally going to market the program for $17.00, but feel that the reduced price more people are likely to be able to afford it.

As I want as many people as possible to have access to the Smart Money Manager, I am using the model pioneered by Jon Leger. That is, sell it at a reduced price, and allow people who buy it to sell it as well!

Trying to make money without knowing the condition of your existing cash flow, however big or small,  is like trying to build a second floor on a vacant lot - it just doesn’t work! A simple budget, with clearly stated goals, can save a lot of financial problems before they get desperate.

A tendency for a lot of people is to borrow to consolidate debt, and to then use the money that they save to buy ‘more stuff’ and maintain the lifestyle that got them into trouble in the first place. Setting up a workable budget with a savings plan is the more sensible way to go.

There are so many payment options to consider these days, from paying via direct debit, online or by telephone, that it should be easier to discipline oneself. Using a combination of all these methods with a savings plan is probably the way to go. When it comes to saving, choose an account that pays higher interest, and requires notice to withdraw funds.

Pay into the savings account as if it too is a debt that must be paid. It doesn’t matter about the amount deposited, it’s the principle that counts in this case, whether you are saving $10.00 or $100.00 at a time! Saving this way makes you think longer and harder about withdrawing funds!