Thursday, December 9, 2010

personal finance and budgeting




Conduct a Financial Fire Drill to Assess Financial Health





We conduct fire drills to ensure fire warning systems are functional and that building occupants know what to do in the event of a fire-related emergency. Apply that same type of stress test to your money with a financial fire drill.

Photo by Steve Snodgrass.


Finance and frugality blog Frugal Dad urges us to take stock of our financial health by conducting a financial fire drill. Just like a real fire drill helps you run through a dangerous scenario without risk—"Who put the file cabinets in front of the fire exit?"—a financial fire drill shows you how effective your escape routes are and how big your safety net is.


You'll need to gather up all your bills, take stock of your savings and emergency fund, and head over the Frugal Dad to run through their financial fire drill checklist—which includes great tips like making a slash-and-burn list of non-essential services you can cancel the minute you get laid off or in other financial trouble.



moBudget will help you organize your personal income and outcome. By doing it, moBudget can also help you in identifying budgeting and saving opportunities. Its main screen presents a dashboard with a set of intelligent indicators which will tell you how is your personal finance doing. Forget about grabbing a calculator to get the numbers you need, the dashboard will say it all; it will inform, alert and advice you when needed so you can make the best budgeting and spending decisions. By allowing stepping through months back and forth, allows you to whether see how you did on previous months and how you will be doing in the upcoming months and adjust your budgets to the optimal. Take it with you, stick to its rules and you will see how money won’t cause a you a headache any more.


Key features



  • Main dashboard with intelligent indicators

  • Upcoming and overdue payments, incomes, bills

  • Color-based and snapshot styled budget bar graphs for easy reading

  • Budget adjusting helper

  • Actual balance and budget balance adhoc

  • Accounts and credit cards usage recording

  • Cash flow bar graphs and out of funds predictions

  • Easy input for registering expenses, incomes and transfers

  • Can create future operations and recurrent operations

  • Multi currency support

  • Easy month back and forth navigation

  • more… see it yourself!



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Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


bench craft company scam

KQED Publishes at the Speed of <b>News</b> with WordPress « WordPress <b>...</b>

Three years later, KQED.org has more than 15 active WordPress sites, collaborates with other regional public media outlets on WordPress plugin development, and sees a future where WordPress helps them quickly deliver the news their ...

Exclusive: Sarah Palin Under Cyber-Attack from Wikileaks <b>...</b>

The website and personal credit card information of former Gov. Sarah Palin were cyber-attacked today by Wikileaks supporters, the 2008 GOP vice presidential candidate tells ABC News in an email. Hackers in London that the Palin team ...

Saudi Arabia - Fox <b>News</b> - David Letterman | Mediaite

Here's an interesting tidbit we can thank jailed WikiLeaks founder Julian Assange for: according to cables included in the recent WikiLeaks document drop, informants have told diplomats at the U.S. Embassy in Saudi Arabia that American ...


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