Moneydance 2019 1 – Personal Finance Manager Trainee

'If you can't measure it, you can't improve it.' – Peter Drucker

1. Moneydance 2019 1 – Personal Finance Manager Trainee Description
2. Moneydance 2019 1 – Personal Finance Manager Trainee Job

This will be a year of significant changes. We're hitting the ground running with Moneydance 2019 – the biggest update to Moneydance in years. If you'd like to get right to it, you can download it now! We couldn't be more excited to bring you this major update to Moneydance. Moneydance Personal Finance Manager for Windows Download Brand: The Infinite Kind. Platform: Windows 8.1, Windows 8, Windows 10, Windows 2.7 out of 5 stars 131 ratings. Currently unavailable. We don't know when or if this item will be back in stock. This will be a year of significant changes. We're hitting the ground running with Moneydance 2019 – the biggest update to Moneydance in years. If you'd like to get right to it, you can download it now! We couldn't be more excited to bring you this major update to Moneydance. Let's start with the biggest highlights. Moneydance Previews. Please keep in mind that this is beta software, and therefore may contain bugs and cause problems. Please report any problems to us using our help page. A rough list of changes is available as text or an RSS feed. Moneydance 2020.2 (1929). We're excited to release a load of improvements to your favourite personal finance software. In addition, Moneydance 2020 is a FREE update to everyone who already has a valid license to Moneydance 2019! Available for immediate download from our site, and very soon available on the Mac App Store as well as the Windows Store.

Disclosure: Some of the links in this post are affiliate links, meaning I'll get a small commission (at no extra cost to you) if you signup.

Trying to have conversations about saving, spending and planning for retirement is infinitely more difficult and more stressful without accurate numbers in front of you.

You fall back on anecdotes and feelings because you have nothing else to go on.

Conversations start with phrases like: 'it feels like we haven't spent much on eating out this month' and they don't get any better from there.

My wife and I have two beautiful boys, aged 2 and 4, and we're both ambitious with our careers and work full-time. Life is crazy, crazy busy for us right now.

We've found it challenging to find time to manage our family finances, so we've been in this position of flying blind without a financial tracking plan in place. We've had those frustrating conversations, knowing that if we had better insights into our financial habits we could do a much better job at financial planning.

I want to show you how we changed that.

How we created a system in Google Sheets for tracking our spending habits.

It now only takes us about 10 or 15 minutes each week, so we can focus on understanding our financial situation better, and maximize our saving.

Enter Tiller

Tiller is an amazing tool that connects our bank accounts and credit cards securely to Google Sheets (or Excel), and automatically updates them on a daily basis.

It means we can see all of our financial transactions in one place and do our own custom analysis in Google Sheets.

It's been transformative for our family's sanity and helped us get on top of our spending and hit our saving goals.

Tiller has a suite of Google Sheet templates available too, covering spending, saving, budgeting and net worth tracking, so that you can visualize your financial data immediately.

Of course, you can also build your own solutions to answer whatever questions you have.

It costs $79/year, which is tremendous value since you're getting a fully customizable, automated personal finance tool.

How to setup Tiller with Google Sheets

Tiller is a third-party tool so you have to create an account with them, which is done securely through your Google account credentials.

This is what your homepage looks like, and where you add accounts or create new Google Sheet templates:

Once you add the bank accounts and credit cards you want to track, you can go ahead and create a new Google Sheet:

Click Create and the magic happens! 🎆

After a short while, you can click over to your new Google Sheet, populated with all of your transaction data!

How we use Google Sheets to track our spending habits

We've setup categories to group our transactions, so that we can see how much we're spending on different things at a high-level. For example, we group all restaurant expenses together into an 'Eating Out' category, which allows us to see how much we spend eating out.

Tiller has a suite of Google Sheet templates available too, covering spending, saving, budgeting and net worth tracking, so that you can visualize your financial data immediately.

Of course, you can also build your own solutions to answer whatever questions you have.

It costs $79/year, which is tremendous value since you're getting a fully customizable, automated personal finance tool.

How to setup Tiller with Google Sheets

Tiller is a third-party tool so you have to create an account with them, which is done securely through your Google account credentials.

This is what your homepage looks like, and where you add accounts or create new Google Sheet templates:

Once you add the bank accounts and credit cards you want to track, you can go ahead and create a new Google Sheet:

Click Create and the magic happens! 🎆

After a short while, you can click over to your new Google Sheet, populated with all of your transaction data!

How we use Google Sheets to track our spending habits

We've setup categories to group our transactions, so that we can see how much we're spending on different things at a high-level. For example, we group all restaurant expenses together into an 'Eating Out' category, which allows us to see how much we spend eating out.

You want enough categories to differentiate items in a meaningful way, but not too many that you end up with too much granularity. The whole idea is to summarize transactions into something more manageable.

Each week my wife or I will jump into the Tiller Sheet and categorize any new transactions. It's as simple as selecting the category from the drop-down menu in Transactions tab in the blank cell next to the transaction name:

You can even use Tiller's new Autocat tool to now automatically categorize transactions for you.

Creating custom reports with Tiller and Google Sheets

I'm going to share our solution for tracking our spending habits.

It allows us to understand how we're spending our money and identify ways to reduce it.

I created a summary table in our Tiller Google Sheet, which shows our family spending by category. It takes the data we've categorized in the transactions tab, which is automatically updated by Tiller, and summarizes it.

The transactions are summarized by categories in the rows, and by months across the columns. Columns A and B contain checkboxes, which I use to control which spending categories to show in my charts.

This table alone gives us more insight into our spending habits than anything the bank gives us. Every single transaction is included and categorized, by us not the bank.

You can create a table like this with the Google Sheets QUERY function, or using Pivot Tables in Google Sheets.

In my case, I've used a QUERY function in cell C3 to retrieve, aggregate and pivot my transaction data:

Visualizing our spending habits in Google Sheets

I added the checkboxes in columns A and B, so there's a way for my wife and I to choose categories to focus on.

Moneydance 2019 1 – Personal Finance Manager Trainee Description

The checkboxes can be individually checked or unchecked and they feed into other data tables that only show the data for the checked items.

Our mortgage, car lease and utility payments remain largely the same month-to-month. We know we have to pay them every month, so we don't necessarily need to see them every time. (That's not to say they're not important, but trying to visualize all your categories at once will just clutter your charts to the point of being useless. )

Moneydance 2019 1 – Personal Finance Manager Trainee Job

However, seeing our discretionary spending — things like travel and eating out for example — helps us understand our spending habits and find ways to save more money in a healthy way.

We're currently using two charts to track our spending habits:

Chart 1: Current monthly spend vs. Average monthly spend

The first is a monthly breakdown by category, showing actual spend this month (blue) against the average amount we spend in this category each month (red):

(Chart shows fictional data.)

Chart 2: Discretionary Spend by Month

The second is a look at our discretionary spending over the past few months, so we can see how selected categories are trending (chart shows fictional data):

The combination of the monthly category breakdown table and these two simple charts gives us tremendous insight into our spending habits.

Knowing how we're spending our money gives us tremendous peace of mind.

It's helping us to minimize our unnecessary spending and maximize our saving.

See Also:

Note: I'm not a financial expert and this post does not provide financial advice. It simply shows some techniques for working with and presenting data in Google Sheets.

This will be a year of significant changes. We're hitting the ground running with Moneydance 2019 – the biggest update to Moneydance in years. If you'd like to get right to it, you can download it now!

We couldn't be more excited to bring you this major update to Moneydance. Let's start with the biggest highlights:

• Dark Mode – Moneydance now integrates smoothly with your darker themed desktop
• Ridiculously Easy Import – now you can migrate your data from other applications and downloaded files without needing to fuss with a multi-step process or deal with complicated settings. Moneydance analyzes files to figure out the best way to import the data.
• Since 2015 Moneydance has stored every change made to your files. While these changes didn't take much space, they did result in many small files that could slow down the opening and closing of Moneydance. Moneydance 2019 will automatically compress and consolidate the older history in your data which can reduce file size by a decent amount, but the most significant change is probably the improvement of opening and closing your files.
• Moneydance now stores security prices relative to their associated currency, which means that updating exchange rates will not affect the prices of non-base-currency securities.
• Python-based extensions. You can now easily package Python scripts as extensions and have them launched from the main extensions menu.
• Moneydance now supports high resolution (aka retina, HiDPI, etc.) displays on Windows and Linux, adding to our existing support for them on macOS.
• Built-in browser (currently in beta) for secure communication with your bank, broker, payment service, or other web service. You can now open an embedded WebKit-based browser to log in to any bank's website. Moneydance will recognize and import any files downloaded from that site. You can even use Python scripting to automate the process, providing an effortless way to sync your accounts. All without needing to upload your passwords and financial information to any third party services.

In addition to the above, here's a list of the more minor changes that aren't covered above:

• When restoring from a backup, the file chooser now opens with the default backup folder
• Improved capital gains and cost basis calculations for average cost investments for many specific edge cases and transaction types.
• Importing currency or security history from a CSV file now figures out the date format automatically
• Fix color issue in some account selection popups
• Improvements to all color schemes
• Improved handling of HTTP cookies in all communication
• Plain text (CSV, tab-delimited) imports now observe the category column
• Added Page Setup menu to allow for setting the default paper type and orientation when printing (although some printable items always print in landscape)
• Fixed color of the track under custom scrollbars
• Set the default theme to dark mode if the system dark mode setting is enabled on the mac
• Updated handling of online banking connections behind the scenes, making automatic updates to connection information more reliable
• Reimplemented file importer structure to allow for a two-stage import, enabling an initial scan to detect date formats, decimal characters, whether the file was downloaded or exported from another app, as well as to change account currencies before the second stage. The result is an entirely automatic import of multiple file types.
• Improvements to monthly calendar view including improved theme support and high-resolution graphics
• Fix bug in HTTP cookie handling to allow cookies for parent domains (i.e., www.infinitekind.com) to be sent to the same domain as the parent (i.e., infinitekind.com)
• Improvements to the algorithm used to guess whether a bank's OFX credit card transactions reverse the signs based on the transaction type field
• Improved QIF export to include liability and asset account types
• Improved QIF export to specify the starting balance of accounts more clearly
• Improved QIF export to encode forward slashes in account or category names
• Updated mac app bundle to set a memory limit as a percentage of physical RAM rather than a fixed amount
• Improve performance and accuracy of historic currency/security price lookup and calculations
• Exchange rates view on summary screen now shows the price for currencies in both their relative and the base currency, if different
• Enable setting of a ‘relative currency' for currencies as well as securities, which is helpful for tracking crypto currencies

This is a free upgrade for anyone who has purchased Moneydance 2017. If you purchased an earlier version of Moneydance, then you are entitled to the new version at 50% off; just a small thank you for being a loyal customer.

Thanks to all of our wonderful customers and beta testers for providing feedback and helping us continue to improve Moneydance!