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Get Your Financial House in Order

Gone are the days when you could tell how much money you had by looking in your wallet or at your checkbook balance. These days, many people only carry debit and credit cards—no cash. You find your checking account balance or check stock prices by reaching for your smartphone.

But how easy is it to discover how much money you've spent on lattes, gas, or work clothes this month? Do you know what the car dealer is going to learn about your credit history when you go in to buy a new vehicle? If you're a self-employed worker, how fast can you find out whether you're on track with your income this month?

There are many websites that handle personal finance exceedingly well. We review five of the best here. Quicken, the granddaddy of all personal financial solutions, is now a hybrid solution. The software still resides on the desktop, but the 2018 and 2019 versions offer access to a website that contains Quicken's most often-used features and synchronizes its data with your own personal file. So, you can check in on your income, expenses, and investments on the go.

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Critical Connections

Quicken's online companion app is the biggest recent news in the personal finance world. But all of the applications we reviewed have new features, and they share some common characteristics. Most of them support online connections to your financial institutions. That is, you can download cleared transactions and other account data from your banks, bank card providers, brokerages, and other financial institutions, and see all of it neatly displayed in registers in the applications. Typically, you only have to enter the credentials that you use to log into those financial sites, though you occasionally have to provide additional security information.

Once you've imported a batch of transactions, you can work with them in numerous ways. For example, they need to be categorized correctly as income (salary, freelance payment, and interest, for example) and expenses (food, mortgage, utilities, and so on). The personal finance sites guess at what an appropriate category might be, but you can always change it—and you can split transactions between different classifications. If you're conscientious about this, you'll see charts that tell you where you're spending your money. This information can also be helpful when tax preparation time rolls around.

Depending on which website you're using, you might be able to add tags to transactions. That way, you can search for those that are related in ways other than through their category assignments. You can add notes and attach files, too. If you bought something with cash, your bank wouldn't have a record of it. In those circumstances, you can create a transaction manually. CountAbout goes a step further, providing an additional set of tools that let you make recurring transactions (or flag them).

A Different Kind of Dashboard

Four of the five personal finance websites reviewed here have what's called a dashboard. It's basically each site's home page, or the first screen you see when you log in. Sometimes, the dashboard is the only screen you'll need to see, because it displays the information you most need when you're checking on your financial situation. You'll learn what all of your account balances are and perhaps any bills that are pending. Power mac g4 m8493 service manual.

You'll see charts and graphs that tell you, for example, what your income is versus your spending, and how you're doing on your budget. You may be able to gauge your progress on any goals you've set and view your investment portfolio, with live prices if it's during the market day.

Basically, this overview shows you snippets of the detailed data that lies behind the numbers on this opening page. Click on a checking account balance in Mint, for example, and this link takes you to the account's register. Click on your credit score in Credit Karma, and you'll learn what contributes to it and how it's changed recently. So the dashboard on a personal finance website can either provide a quick look at your money situation or it can serve as a springboard to a deeper study of the numbers.

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Budgets, Goals, and Bills

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If you're a freelancer or sole proprietor, budgets can be challenging. You don't know for sure how much money you'll make in a given month like a W-2 employee does. Being conscientious about your finances includes trying to curb your spending so that it comes in below your income. Note: Freelancers and sole proprietors might find that a small business accounting website is a better fit.

The mechanics of creating a workable budget are much easier than the process of specifying your limits. Mint, for example, treats each category as a budget. You select one, choose a frequency for it (every month, etc.), and enter an amount. The site shows you how well you're adhering to each budget by displaying a series of colored horizontal bars that show where your spending is currently compared with your budgeted amount. Green means you're doing OK, and red means you've gone over your self-imposed limit. You can tweak each budget as you learn more about your spending habits by clicking up and down arrows.

Other applications, like Quicken, consider a budget to be a comprehensive table that contains all categories. The software also lets you view your budgets by a variety of time periods (monthly, annually, and so on).

Setting goals, like trying to establish an emergency fund, isn't rocket science. You specify the amount you're trying to save and your target date for achieving it, and the application tells you how much you have to save every month to achieve it. NerdWallet, for example, lets you link your goals to the appropriate spending account so your progress is automatically tracked. Quicken Deluxe includes additional planning tools that help you accelerate debt reduction, plan for taxes, and establish a comprehensive lifetime financial plan.

None of the sites we reviewed offer bill-paying tools, but some let you at least record bills and bill payments, because those can figure into your personal finance picture so significantly. Mint is especially good at this. You can set up a connection to online billers or enter offline bills automatically. The site alerts you when they're due to be paid and lets you record payments manually if they don't get downloaded as cleared transactions from your bank.

An Important Number

An excellent credit score is gold. Beyond helping you get approved for a credit card, mortgage, car loan, etc., it often helps minimize the interest rate you'll pay. So it's important to know not only what it is at any given time, but also to understand how it gets calculated and what you can do to improve it.

Credit Karma and NerdWallet, both free websites, can meet all of these critical needs. Credit Karma is especially comprehensive and efficient here. It pulls your score regularly from two of the three major bureaus, and gives you access to your credit reports.

One of the ways you can improve your credit score is to use financial products—credit cards, mortgages—that have attractive interest rates and other benefits, making it easier for you to pay off debt as quickly as possible. The three free websites we reviewed (Mint, Credit Karma, and NerdWallet) help pay for the services they provide by displaying ads for products that might appeal to you based on your credit profile. You can also browse marketplaces for additional candidates.

Of course, frequently cancelling credit cards to get new, different ones can affect your credit score. Still, it's good to learn about these suggested products so that when the time comes, you'll know what the best options are.

Other Considerations

You may only want to use a personal finance site for day-to-day income- and expense-management, budgeting, and goal setting. But financial sites like Quicken and Mint let you track all of your assets, including homes, vehicles, and investment holdings. If you keep your financial data updated, the applications keep a running tally that, when combined with your debt, give you your total net worth.

You probably don't need advanced tools when you're away from your computer or laptop. But when you're out spending money, it's good to know how much you have. All of the solutions we reviewed offer both Android apps and iOS apps. They don't have all of the features found on the browser-based or software versions, but you can at least check your account balances, view and add transactions, and see graphs illustrating numbers related to things like spending and cash flow. You may also be able to get your credit score and check the status of pending bills.

Are all of the applications reviewed easy to use? The short answer is yes. Credit Karma and Mint are the most user-friendly, incorporating state-of-the-art interfaces with can't-miss navigation tools. NerdWallet tries to blend editorial content on personal finance with credit score and limited income/expense-tracking tools; these dual purposes make the site somewhat confusing until you understand how the two co-exist. CountAbout is certainly easy enough to use, but its user interface looks outdated. And because Quicken has been around for so long and offers so much, its user experience is a little uneven. This blending of old and new content can be a little jarring when compared with a solution built from the ground up to live online.

Each of these personal finance solutions offers something the others don't. But their skill at delivering the tools consumers need, and the cost at which they offer them, varies widely. Mint has won our Editors' Choice before, and it does so again this time for free personal finance services. Quicken, on the other hand, wins the Editors' Choice for paid personal finance services. We'd absolutely send people first to Mint if they're considering online personal finance because of its usability, its thorough selection of tools, and the feedback it provides users who keep up their end of the bargain by visiting it regularly. And, of course, it's free.

If you're looking to keep your life further organized, you can also check out our roundup of the best to-do list apps.

Best Personal Finance Services Featured in This Roundup:

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• Mint.com Review

  
  MSRP: $0.00
  

  Pros: Free, fast, and easy. Highly automated. Simple budgeting tools. Alerts. Checks credit score. Good mobile support, including Apple Watch.

  Cons: Only supports US and Canadian accounts. Discontinued bill pay. Weak investing tools. No account reconciliation.

  Bottom Line: Mint is a free personal finance service that's in a class by itself. No rival provides such a comprehensive collection of tools if you want to track your spending and budgeting or want a comprehensive overview of your net worth.

  Read Review

• Quicken Deluxe Review

  
  MSRP: $49.99
  

  Pros: Robust set of personal finance, planning, and investment tools. New companion site. Flexible transaction tracking. Useful reports and graphs. Excellent support options.

  Cons: Expensive. Inconsistent user experience. Electronic bill pay not available in all plans.

  Bottom Line: Quicken Deluxe contains more personal finance management tools than any competitor, but it's relatively expensive and many features aren't available in the mobile apps.

  Read Review

• Credit Karma Review

  
  MSRP: $0.00
  

  Pros: Free. Excellent user experience. Explains rationale for credit scores and reports. Suggests solutions for problem areas. Pulls data from third-party services.

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  Cons: Intrusive financial product recommendations. Only displays two credit scores. Can't change auto-logout setting.

  Bottom Line: Credit Karma offers credit scores and reports, along with recommendations for financial products. It does a good job of helping you understand your credit, though some may find the ads distracting.

  Read Review

• NerdWallet Review

  
  MSRP: $0.00
  

  Pros: Tracks income and expenses. Thorough handling of credit score issues. Includes useful editorial content. Strong financial product browsing and educational tools.

  Cons: Only five transaction categories. Confusing navigation. Only displays one credit score.

  Bottom Line: NerdWallet helps you understand and improve your credit score via numerous useful tools. Still, the service would be more effective if it offered a better organized user experience.

  Read Review

• CountAbout Review

  
  MSRP: $9.99
  

  Pros: Imports Mint and Quicken data. Thorough budget. Good transaction tracking. Customizable categories and tags. Exceptional recurring transaction options.

  Cons: Dated user interface. No dashboard. Unwieldy category list. Limited mobile apps.

  Bottom Line: If you need a reasonably priced personal finance service that doesn't have tons of adds, CountAbout is a decent alternative to Mint and Quicken. It has a dated interface and limited mobile apps, however.

  Read Review

Challenges for small businesses using a Mac

It’s likely that if you’re a Mac fan and user, you’ll have high expectations for the way your accounting software looks and performs. But when we talk to small businesses, it’s clear that while Mac users love their Apple products, they’re not as affectionate about their financial software. So why is this such a common sentiment?

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Software that is just a lift and shift from PC to Mac doesn’t leverage the power and design that’s at the heart of Apple products. As a Mac user, you probably remember that moment when you first booted up your Mac and thought “Ahh”. And it’s that emotion that’s often lacking while using accounting software.

It’s no coincidence that the instant ease of use and logical user interface of Apple products have won countless awards. So when Mac users are confronted with software that doesn’t apply human logic to the design or functionality, financial tasks become painful. Accounting software on a Mac should ‘just work’.

Mac versions are often lacking in features

Most financial applications are designed for a PC first and then ported over to a Mac as an afterthought. As a result, Mac users are often left with feature lacking versions and poor customer support which is typically focused on PC usage. In many companies, customer support don’t fully know about or understand the Mac platform to help with in-depth questions.

It’s also common for Mac software versions to also have lots of unnecessary features. This can mean you end up getting a bloated suite of complex and confusing tools instead of what your small business really needs.

Make it a priority to go with software that doesn’t tack on features for the sake of it, and gets the balance of simplicity and usability just right. You should have everything you want and need, and no more.

Software should be cross-platform compatible

If your software isn’t cross-platform friendly, you risk wasting huge chunks of time using workarounds to collaborate with your financial advisors. For example, if you use a Mac and want to share data with your PC-using accountant, you’ll need to export data files to them saved in a Windows format. Even at this stage, you’ll often run into compatibility issues.

In the meantime, while your accountant is looking at your data, you won’t be able to make changes to it because you can’t merge their changes into your existing file. It’s only when they’re finished with the file that you can re-import it. In many cases, the software won’t work on all browsers either, which makes for a poor user experience.

Business apps should integrate with your software

Often Mac accounting software has a limited range of business applications or apps that integrate with it. But if you’re a Mac user, you’ll no doubt be used to having a variety of products that play nicely with your Apple devices. For example, you might already be using Basecamp, project management software that runs in the cloud, and encourages collaboration online. As well as being easy to use on a Mac, iPad and iPhone, Basecamp also integrates with several other apps.

If you’re in the creative industry, Adobe Creative Cloud may be the way you share files, give feedback or save settings across devices. Evernote is another handy online tool that lets you collect and find everything that you need, and collaborate with colleagues online.

All of this considered, it makes sense to look out for financial software that is also flexible enough to allow a range of apps to integrate with it. As your company grows, this will make it much easier to manage all aspects of running your business. For example, you could integrate invoicing, time tracking or job system apps with your financial software. Online tools like Harvest, make time tracking simple for small business – and they’re Mac-friendly. Harvest is time tracking software that lets you see real-time data to keep projects on time and in budget.

Software needs to be simple and frustration-free

Apple design their products so that they are super simple to use. The financial software you choose for your Mac should be just as easy. You should get one consistent, magical experience, whether you’re on a Mac, iPhone, or an iPad. For example, if you’re out and about and need to send an invoice, you should be able to do it on your iPad with minimal effort. It should be as easy as a few taps and you’re done.

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With one version for all devices and browsers, doing business becomes much more pain-free and fun. Like an Apple product ‘just works’, your online software should too.

Accounting software on a Mac: Seven points to consider

1. Intuitive and beautiful design matters
   The simple, aesthetically-pleasing form and function of an Apple product is what makes many Mac users loyal for life. So when it comes to your software, don’t skimp on this all-important aspect. Often small business financial applications are bloated with far too many under-used features that only get in the way.
2. Installation has to be easy
   Just like how a Mac works straight out of the box, your small business software should be easy to start using. With cloud software, there are no installations or downloads. You just log in online at any time, from wherever you are. Updates and upgrades are done automatically, and are free.
3. Great customer support is important
   As a Mac user, you are used to outstanding customer support. So it makes sense to choose software with the same level of excellent service, who won’t cut corners on training staff for Mac usage. No matter how complex your problem is, you should have a qualified person answering your questions. Look for companies that produce guides, videos, tutorials and forums to help you with day-to-day business tasks.
4. Have all your business data in one place
   Organising your files on a Mac is as simple as ‘drag and drop’. So consider financial software that works in the same way. When you can drag and drop and attach source files to your invoices, bills, transactions, fixed assets and contacts, your company documents can all live in one place online. Some software will also allow you to email files straight into your accounting application.
5. Collaborate more with your team
   A core belief at Apple is that “collaboration is essential for innovation”. Follow their lead, and ensure that your financial application takes collaboration seriously. Look for software that lets you have as many users as you want, at no extra cost. This will help you collaborate with your accountant or bookkeeper and get the advice you need, when you need it. Your business will be in a much better position to innovate and be successful.
6. Use online business tools that integrate
   Apple products have a huge range of third-party applications that all work seamlessly together. So don’t restrict your business growth by using software that won’t integrate with other apps. Your small business will benefit and run smarter when you can integrate apps with your accounting software to manage all aspects of it from one place. For example, if you’re an online retail business, you could use use cloud-based applications to stay competitive and enhance your customers’ experience.
7. Stability and security is key
   Macs are secure and stable, and not as susceptible to the viruses or hacking that some hardware is prone to. In the same way, the best online accounting software heavily protects your sensitive financial data. Companies that store your data in offsite servers ensure that your information is protected with the highest level of security. All data is encrypted to the same level as your internet banking.

Make business fun again

As a Mac fan, you’ll have a deep-seated appreciation for software that puts ease of use and beautiful design first. Naturally, this means you’ll gravitate towards software that also reflects those qualities. So why not choose a product that not only delights you, but makes business and life easier?

When you’re having fun, and excited about using your accounting software, you’ll be much more in tune with your financial situation and in a better position to grow. And that’s got to be good for business.