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Unlike virtually every other budgeting program out there - Millionaire 2020 focuses on now and your planning for the future - while requiring a bare minimum amount of work from you.
Hi, my name is Brad Homer. I've been writing software for more than 25 years. I've created many kinds of programs and websites for banks, credit card companies, financial services companies, and others.
About 10 years ago, after getting fed up with Quicken, I used my skills to write my own, much simpler budgeting and debt reduction software to help me manage my bills.
I got straight A's in accounting in college, but I found there just wasn't much 'Quick' in Quicken.
After a few years of selfishly keeping my program to myself, I decided I needed to offer it up to everyone else. But before I did that, I checked high and low on the Internet to see if there were any other products similar to mine.
I tried Money, Mvelopes, and many free programs. I wanted to see if anyone else understood that personal finance software does NOT have to be complicated!
Apparently, the vast majority of budgeting software programs have been infected with the same disease: I call it CPA-itis. As in, they all seem to think you require a Certified Public Accountant (CPA) to design and implement an effective budgeting program. (You don't.)
So, I released my baby into the wild and I've found that it has helped others just as I hoped it would. I'll let one of my customers decribe it to you in her own words:
Millionaire 2020 requires from you the minimum amount of information about your finances to produce:
- a spending plan forecast
- a detailed budget sheet
- a rapid debt reduction plan
Also, Millionaire 2020 gives you:
- a month by month break down of your spending plan
- graphically shows you how your debt will snowball into nothing
- tells you how much time and money you will save by following the plan
then, Millionaire 2020 even tells you how much you can save in 20 or 30 years if you start INVESTING that same money you are paying to the money lenders.
"Do all your fundamental budgeting tasks in minutes instead of hours"
With the click of a button, Millionaire 2020 can generate a very easy-to-understand budget sheet that shows you all of your planned income and expense items relevant to now and the near future.
Millionaire 2020 does NOT add unnecessary complexity and cost - like allowing you to setup automatic online bill payment (for a monthly fee) - most banks already offer this service online with checking accounts for free!
"Plan to pay off your debts rapidly and save a bunch of money!"
Millionaire 2020 can generate a rapid debt reduction plan for you in seconds. Many specialized debt reduction software programs and professional services can perform this same function, but typically cost anywhere from $60 to over $200.
"You can spend more time doing what you want to do"
Millionaire 2020 requires from you no valueless busy-work, like categorizing every little transaction you make. (Do you really care about what percentage of your income was spent on toothbrushes last year??)
Millionaire 2020 frees you from having to spend hours of your evening or Saturday afternoon balancing and reconciling your checking account. So, you can spend more time doing what you want to do.
Again, your bank is tracking and balancing your income and expenses on a daily and a real-time basis and this information is freely accessible online - why on Earth would you need to redo this? All you need to do is compare your previously forecasted daily spending plan with what was actually going in and out of your account online with your bank. A quick eyeballing of your account online in conjunction with reviewing your plan in the budgeting software is all that is needed to stay on top of where you are.
What's more important? Seeing what already happened last week? Or predicting what will likely happen tomorrow?
"Much simpler than Quicken or Money"
Every mainstream budgeting program on the market today seems to be obsessed with making you categorize, reconcile, check, compare, re-check, validate, and re-verify WHAT ALREADY HAPPENED.
Millionaire 2020 budgeting software turns this typical finance thinking on its head. Focus on now and plan for tomorrow - not last week. You can't undo yesterday's financial transactions, but you can certainly plan tomorrow's to make your family's future the best it can be.
Isn't personal finance software supposed to help you get control of now and plan for tomorrow?
Corporations are required by law to track what happened in the past, to keep them accountable to shareholders and tax authorities. If you're like most people and you work for someone else, the company you're working for keeps track of the tax stuff and there's a pretty good chance your family doesn't have any literal stockholders, so...
...the only person you're truly accountable to for your personal finances is YOU. And what do YOU want from your budgeting software?
- Help you keep your checking account "in the black" (not overdrawn)?
- Help you plan for future expenses?
- Help you save money?
- Help you save time?
Most budgeting software programs, especially the mainstream ones like Quicken and Money DO THE OPPOSITE:
- They under-emphasize cash flow
- They keep you focused on what happened last week and last month
- They constantly nag you to purchase additional services from them and/or their partners - usually to access information and services you already have access to for free through other channels
- Managing these mainstream 'Quick' and 'Easy' budgeting programs feels like a part-time job - they require a huge time investment to fully understand and utilize all their unnecessarily complex features
Quicken's user manual is over 400 PAGES LONG! Would you rather be on a family bike ride in the sun or be reading some software manual?
"You can easily use Millionaire 2020 to teach your kids about budgeting"
Millionaire 2020 is so simple, a child can learn how to use it. In fact, it can be used as an easy-to-understand and intuitive teaching tool for anyone to learn more about budgeting and paying off debt.
Millionaire 2020 was designed from the ground up to be as simple and uncomplicated as possible. You don't need to be a CPA (Certified Public Accountant) to understand this program. You don't need to know what a debit or a credit is. You don't need to understand net income, net worth or anything else like that.
"Millionaire 2020 keeps your information safe"
Also, Millionaire 2020 protects your data with 256-bit AES encryption, so when you password-protect your data, your personal information is secure. And your personal data is never transmitted anywhere off of your PC - it stays securely on your harddrive.
Millionaire 2020 can also serve as a secure record of all of your credit cards - you can optionally enter basic account information, a website URL and phone number for accessing each account in case your wallet is ever stolen.
The website URL fields in Millionaire 2020 are automatically linked to your web browser, so they can serve as a centralized launching off point for accessing your accounts online, as needed. But again, no personal information is ever transferred from Millionaire 2020 to any other site - ever. So, you stay in control of when, where and how your information is accessed online.
"Helps you to keep your checking account in the positive numbers"
The spending plan Millionaire 2020 generates is very focused on your cash flow. Cash flow is a vitally important concept when managing your money that most budgeting programs unbelievably gloss-over and under-emphasize.
If you don't know what cash flow is, don't worry, it's easy to understand with the following example: When there's not enough money in your account to cover your bills when they need to be paid and you bounce a check or overdraw your account with your debit card - you have a cash flow problem!
The spending plan generated by Millionaire 2020 forecasts your DAILY checking account balance so that you will see weeks or even months ahead of time when your available funds will dip below the amount needed to pay your bills. So, you can plan to do something about it BEFORE it becomes a problem.
"Help your marriage with easier budgeting"
If you're married I'm sure you are well aware of how much stress poor money management can add to the mix. Using a traditional budgeting program to manage your money may work for a while, but the difficulty and complexity of most of these programs can make budgeting such a chore that it is done inconsistently or not at all.
Using Millionaire 2020 can greatly help your marriage because it is so easy to use you're much more likely to stick with your budgeting routine.
And a marriage that is being taken care of in the finance department makes every other department easier.
Your time is valuable...maximize the fun you have with it!
Remember, Millionaire 2020 helps you do all your fundamental budgeting tasks in minutes instead of hours like most other programs. Your time is valuable and you want to spend it doing what you want to do. Millionaire 2020 can also provide you ongoing updates to your personalized debt reduction plan with the click of a button - something other specialized programs and debt managment professionals charge hundreds of dollars for. Millionaire 2020 provides you all of this and more with a fraction of the complexity of other programs - anyone can learn to operate it.
Best of all - It only costs $29.95!
If Millionaire 2020 helps you avoid even ONE overdraft or late loan payment, you will have covered the cost of Millionaire 2020.
$29.95 is the only fee you pay - there are no additional hidden or recurring monthly charges like many typical personal finance programs want you to pay.
In all honesty, it offers so much value, so simply, I'm seriously considering raising the price...so, I don't know how much longer I'll be offering it for $29.95 (less than the cost of a single late payment fee from those dastardly credit cards!)
And, you have a ONE YEAR, unconditional, iron-clad, no-questions-asked money back guarantee, so your purchase is risk-free.
Purchase online now with our exclusive retailer, RegNow - a Digital River company. Digital River is an internationally recognized and respected company in the software and eCommerce industry. Your payment and personal information is secure.
So Buy Now ...you, your family and your friends will appreciate the new, financially confident you!
