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| − | ==Introducing Principal Plan==
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| − | ===The Envelope Budgeting System===
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| − | In the old days, before computers, online banking and credit cards, many folks used envelopes to help control their spending. Each time they got paid, they would allocate the cash into actual envelopes, each marked with a spending category, such as "Groceries," "Clothing," "Rent" or "Mortgage," "Church Offering," "Savings," etc.
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| − | When it came time to spend money for something, they would look inside the relevant envelope and know immediately how much they had to spend on it. When times were good, they might have enough to buy something extra and, when times were tough, they knew immediately that they needed to stick with the basics. In either case, this simple and reliable budgeting system kept track of how much money they had and enabled them to easily control their spending. It also demonstrated in a tangible way that they did not have a huge lump sum to spend as they wished -- the envelopes showed that much of their pay was already allocated to pre-determined expenses. This helped curb the temptation to spend unwisely on pay day.
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| − | Not only was this system simple, it was very flexible. When one envelope was a little short, they could transfer cash from another envelope that had a little extra. They didn't have to remember how much they could spend on what; the envelopes always had the answer.
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| − | ===Same Old System, Brand New Technology===
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| − | Like most personal financial software, Principal Plan allows you to manage your bank accounts using traditional ledgers that record individual transactions. You can track any kind of account: checking, savings, and even credit cards. You can sync with your bank by importing transactions online, or you can enter and edit transactions manually.
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| − | What makes Principal Plan different are the VIRTUAL envelopes. Every penny in the system is allocated to an "envelope," or a spending category. When you record a deposit, the money is simultaneously allocated to one or more of your envelopes. When you record a purchase, whether it was by check, credit card, or cash, the money is simultaneously deducted from one or more of your envelopes.
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| − | So, you might start by depositing $1,000 in a checking account, allocating $500 of it to groceries, $200 to clothing and $300 to auto expenses. When you go to the store and write a check for $200 worth of groceries, your checking account would reflect an $800 balance and your groceries envelope would reflect a $300 balance. No need to remember how much you can spend on what. The "Envelopes" will always have the answer!
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| − | ===Allocating Income Is Easy===
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| − | Using the old envelope system, it could be a bit of a pain to put the correct amount of money into the correct envelope. Many expenses recur in a predictable way, while big bills, like semi-annual property taxes, have to be broken up over time. Principal Plan provides you with the perfect solution to both scenarios with Transaction [[Templates]], which are like reusable transaction blue-prints. With Templates, allocating money to your envelopes is simple and quick. When income is recorded, all you have to do is select the appropriate Template and Principal Plan does the rest.
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| − | And Income Templates can be easily viewed side-by-side in the [[Allocation Plan]], which allows you to see how all of your income is allocated over the course of the month (or any other time-frame). You might get paid twice a month and your spouse may get paid once. You could create Templates for each income source and view them side by side in the Allocation Plan.
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| − | ===Links===
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| − | *[[Installation]]
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| − | *[[Start Wizard]]
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