PearBudget: Personal Budgeting & Expense Tracking

I like to control of my finances by keeping track of expenses on a regular basis. A good old excel sheet is what I've been using to do this. Not because I love excel; it's just that I've not come across a single personal finance application (and there are MANY out there) that works for me the way I do.

The problems I have with most of these applications are their wasted attempts to connect everything from my bank accounts to the checks I give out to my credit card statements. I wouldn't generally bother too much about importing my online bank statement into my finance application even if my bank did have an online system that supported it. All I usually need is a simple way to compare my expenses against my income and keep track of the savings every month.

And that's one of the reasons why PearBudget's upcoming budgeting and expenses tracking application interests me so much. If it is anywhere even close to as good as their existing spreadsheet-based tool, I'll be the first one to start using it. Over the last few days of trying the excel sheet of PearBudget's personal finance tracking application, I've come to believe that it is precisely what I've been looking for all this while. It's much much better than the excel sheet I've been using and provides a very good one-place budgeting and tracking interface (I have never done a budgeting exercise before for lack of a decent tool).

If you've ever wondered where all that money you bring in every month goes, or even if you're just looking for a simple way to bring a little order to your financial chaos, give PearBudget a try.

Technorati Tags finance,Personal,web20,Excel

Most useful web services

The last couple of months have seen a new web service launch virtually every day. Anyone and everyone seems to be jumping the web 2.0 bandwagon and offering a better, faster, more powerful alternative to the other application that release last week. But how useful are all these services?

Here's my list of applications that I have found useful in my day-to-day life and that I use regularly. I've tried alternatives to most of these, but have eventually returned because these offer me the best toolset for my requirements.

Productivity
Homepage - Netvibes
Calendar - Google Calendar
Task management - Remember the milk

Communication
e-Mail - Gmail
IM - Meebo

Information Management
Bookmarks - Del.icio.us, Diigo
Photos - Flickr

Document management
Storage - Box.net
Documents - Zoho Writer
Spreadsheets - iRows
Presentations - Thumbstacks
Office suite - Thinkfree

Entertainment
Video - YouTube
Games - Miniclip

Feel free to add your list in the comments. I may have (rather I HAVE) missed out some better, faster, more powerful ones, and would be more than happy to append them to my list and my life!

Update (26 May 2006): Added Diigo to bookmarks

Online task management

Techcrunch's Frank Gruber has published a round-up of five online to-do lists and concluded that 37signals' Ta-da list tops the charts. The reviewed services also included Bla bla list, Tudu list, Remember the milk & Voo2do.

I do not agree so much with Frank's opinion. I've tried all of these services and got rid of all but remember the milk in no time. For me remember the milk provides the most complete package of features in a neat and usable package. I've been using it for daily task management for a few months now and it has undoubtedly helped me organize my life better.

The ability to add various sorts of metadata to tasks, including estimated time & multiple notes is a huge advantage. The ability to repeat tasks at scheduled intervals ("Pay credit card cheque by the fifth of every month") and track how many times a task has been postponed is an added bonus. I also love the fact that the entire interface is keyboard driven - from creating a task to adding metadata to navigating across task lists, everything has a keyboard shortcut. There are also search-criterion-based smart tabs, which let you view your task lists based on specific parameters. I, for example, have two smart tabs for "This week" & "Today".

Overall, I can safely say that Remember the milk has transformed the way I organize my life!

Homepage wars...

I mentioned Netvibes as my favorite RSS reader in my last post. Apart from being that, it is also the undisputed king of personalized home pages at the moment. Netvibes was and remains the only web service that I accepted and started using within five minutes of having seen it first. And it has continued to remain the default browser home page since then.

The personalized homepage market is dotted by some really big players and ferocious competition. Google's offering was the first one I ever tried and hated. I do so till date. Coming from a heavy-weight like them, it is just too bad a service when compared to what's available elsewhere on the web. Microsoft's start.com and now live.com have always shown immense potential, but have never really delivered the right blows. Smaller players like Pageflakes & protopage have provided far better products. Both have been my second favorites at different points in time, but Netvibes has always managed to pull me back.

With it's latest upgrade a couple of weeks back, Netvibes added the eagerly awaited tabs feature, which let's users categorize their modules into tabbed pages. Live.com, pageflakes & protopage hve had this feature for a while now, but Netvibes' implementation seems the most complete by far with easy drag & drop across tabs and extreme ease-of-use.

Overall, for me netvibes rules the roost when it comes to personalized home pages, but there's still a huge scope for improvement and for the others to catch up. Pageflakes has been releasing new modules at an insane pace and v3 of protopage is just around the corner, hopefully pushing the envelope further and driving more innovation into the genre.

FeedBlendr

Over the last few months, the number of RSS feeds I subscribe to has grown multi-fold. The tabbed pages feature in Netvibes came as a life-saver last month as it allowed me to manage my feeds better than the one humongous page that my homepage originally was. But even with the organized tabs it started getting very difficult to keep track of all the feed boxes lying around. One of my favorite features in Protopage has been it's ability to have a number of feeds subscribed to inside a single box. Something I was looking forward to in Netvibes.

Recently I found a great way to do just that. FeedBlendr does just one simple thing and does it well. It blends multiple RSS feeds together and gives you a single feed that you can subscribe to. Subscribe to this new RSS feed and all updates to any of the feeds in it's list show up in your feed reader (a Netvibes box, in my case). Want to add more feeds to the list, just add them and the originally compiled feed together and you're done. Not interested in a set, just unsubscribe to the feed. Compiled feeds not accessed for more than a month are automatically deleted from FeedBlendr's servers.

FeedBlendr is not without it's share of annoyances - the inability to go back and edit a list of feeds topping the list - but they remain mere annoyances and never come into the way of the basic solution the service provides. A life-saver for many like me who prefer to group related new feeds together.

Zoho Writer Rocks!

I wrote this in Zoho writer. Yep, this stuff that you're reading right now. One of the coolest features of the Zoho Writer web service is the ability to publish documents to blogs. Just take your time, write your stuff, edit and update to your heart's content and when you're happy with it publish directly to your blog! Blogger, Wordpress and a couple other services have built-in support and you can add more as required.

Beyond blogging, Zoho Writer is by far the best online word processor around. Google's Writely comes in close, but falls short of the speed and ease of organizing content that Zoho provides. The tabbed left pane lists all your private & shared documents, templates and even deleted documents. The best part about this though, is the ability to create smart tabs by adding certain tags to the left pane. As you assign these tags to documents, they automatically start appearing in those lists. An outstanding use of the tagging concept over the traditional hierarchical folder structure.

The editor doesn't leave much to be expected and has all the basic features you would want in a word processor. Adding a table can be slightly tricky, but is not so much of a pain once you get used to it. The ability to decide what buttons you want on the control bar is a big bonus. The auto-save works brilliantly, eliminating the worry of losing out on an hour's work because you lost power or your internet connection without manually saving.

Beyond everything else the area where Zoho Writer shines most though, is in what you can do with the documents you write. Along with the usual PDF publishing, there is support for exporting files to MS Word DOC & OpenOffice SXW formats. You can make your document public for everyone on Zoho to view or publish it to your blog as I mentioned earlier. Or, you could just email a copy of it as inline text or as attachments (in DOC, SXW, PDF or HTML formats).

In conclusion, Zoho Writer rocks! It provides the best online document creation and management experience out there, and does it well. That it has a few siblings spreading similar goodwill in other domains is just the icing on the cake.

Moving from offline to online...

With each passing week, I'm realizing that I've started moving more and more of my life online. The rate at which the internet is becoming an integral part of my life is not a joke. And to say that I'm loving it would be an understatement. The feeling of being in control of my content (knowledge, information, resources... however you wanna put it) wherever I am is not only intoxicating, but also very empowering.

Not very long ago, all the internet meant to me was google, yahoo mail & AOL instant messenger (as it still does to a huge majority of people I know). Today, those are the last things I use the internet for. Today, the internet is fast becoming my personal content repository. It's like the one locker I had been waiting for all this while, which would free me from the worries of being left out in the dark when I'm away from my desk, home or office. It stores my favorite locations on the web, stores all my photos, helps me keep track of my tasks and important dates, maintains my daily calendar, stores my personal documents & music, and does much more!

Not so long away in the future, I see myself writing and editing all my documents and spreadsheets online, collaborating with my collegues to update databases I create through applications I develop and chatting with friends from all IM networks right from inside a browser! Not that I can't do all of this already, it's just that I haven't tried it enough yet.

And all of this at no cost other than what I pay for my internet connection, mind you!

There is therefore nothing stopping me from going ahead and living a new life. One that's happily online. One that's what many would call version 2.0...