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Hi, I'm Peter McConachie - creator of Budgets Get Real, personal budgeting software.
I created this software because I knew there had to be a better way to create a workable family budget.

It all started with a simple realisation...

My wife and I were doing okay, but we realised that we could be doing better.
We simply needed to find an easy way to make more from our money. Sound familiar?

I looked for an easy way to create a budget using other software but I found none.

I tried all the different budgeting methods... budgeting manually, using a spreadsheet, other budgeting software, accounting programs, envelopes — they all had one or more SERIOUS problems that will drive you mad and lose you time and money.

I was so frustrated that I decided to write my own budgeting software, a system that we could use to track our spending and find extra savings.

In the process I discovered one big myth that costs most people a lot of time & money.
But first of all, lets look at how you would start a budget.

Starting a Budget

I think that the biggest problem is finding out where all your money goes.

Before you know this is hard to move forward. You need to know how much you are spending in different areas before you can make any improvements!

There were a couple of important things that I realised would make it really easy to get all of our income & expenses together in a really short time, but the biggest one was Internet Banking.

Let me explain...

How Internet Banking can help you with budgeting money

Many people use Internet banking, but do not realise how they can use it to help them budget.

When you think about it you'll realise that the bulk of your income and expenses are already there —
You already have an accurate record of what you have spent, you just need a way to break it down into meaningful categories. 

And the best part is that most banks allow you to export these transactions to your own computer.

I realised that this had to be the quickest and easiest way to see exactly what we were spending - after all we could view all of our credit cards, transaction accounts, cheques, savings and even loans through Internet Banking!
 

So I made sure that these files could be imported into my budgeting software.

Here's how it works:

Just think about it, no need to collect and tally up masses of receipts.
No data entry. Most of our spending was already neatly documented for us.
 

How this compares with other budgeting methods

The budgeting "gurus" will tell you that you need to identify your costs for at least a month and then prepare your budget. This is unrealistic if you are paying hundreds of dollars per week in increased interest on your mortgage, and the increased cost of living. You want a solution NOW.

Once you import your transactions into Budgets Get Real you will quickly see your true costs for the last few months, and can make a relatively accurate budget from these. All you have to do is find those few other costs that will not be in your recent transaction history - such as insurances - and add these to your budget.

You can get a clear view of your finances and start saving in around 60 minutes using this simple budgeting software.

That Secret that no one talks about

Do you know what stops most people really saving?
In most cases it is the idea that you have to Budget to save - and so they put off starting.

This is wrong! If you can pay off your credit cards in full each month, then your cashflow is not the issue. You may not need to create a budget to see where your money is going. But whatever you do, you need a simple way to see where your money is going.

This is the lie that vendors of spreadsheet programs, and budgeting programs that don't allow you to use your actual bank transactions (your accurate spending records) would have you believe.
 

Our budgeting software runs on Mac & PC.

Did you know that even small savings can make a massive difference to your finances?

Read on to discover just how little you need to save to eliminate $70,000 or more from your mortgage - and how easy it is to make these savings with our personal budgeting software.

Don't let Cash become a Budget Breaker

I noticed that one of the biggest areas of unknown expense related to cash purchases. It is often hard to keep track of cash, so I thought long and hard about this problem & believe that I have come up with a good way of tracking and budgeting for cash purchases.

It is not uncommon for cash to represent 40% of total spending.

Just knowing where you are spending your cash gives you the ability to review what may otherwise be a 40% (or larger) hole in your budget.

I find it interesting that most mortgages do not add up to 40% of household income. We are concerned with interest rates going up, yet our cash spending may be a more significant drain on our finances.

With good cash tracking, it is easy to fix an otherwise unplugged leak in your budget.

The power to handle nasty surprises

Such as bills and credit cards that come out of nowhere.

The truth is that it's easy to forget when bills are coming, and that can catch you out. I have included a simple reminder system into Budgets Get Real that will allow you to factor bills into your budget and remind you when they are coming. No more need to work bills around your payday.

This software will also help you to budget for your mortgage and for interest free loans.

Stop overspending, Start Saving.

With nasty surprises under control & spending accounted for, you can start to put your money to work for you! From here on it becomes easy to :

• Identify & eliminate unnecessary spending
• Budget money & plan for the things you really want.
  Using my software you don't need to set a budget to make big savings, but it may help. 
• Start saving money & eliminating debt.

 
Every dollar you find can be put to good use, including paying off debts quicker and saving money.

Imagine how satisfying it will be to watch your bank balance increase, or your mortgage decrease.

Even little savings add up very quickly. Just saving $20 per week and putting it towards your loan repayments can pay your mortgage off almost 3 years sooner, and save you a whopping $66,787.79 in interest. (Assumes a $300,000 mortgage at 9.5% interest, weekly repayments paying off principle & interest components over a 25 year term.)

Best of all Budgets Get Real lets you make the savings quickly!

After all, I didn't want to spend a lot of time each month tracking our spending or creating a budget - and I'm sure you don't either.

As I see it - your time is valuable.

As the saying goes, time is money. You just can't make real savings if you are spending too much time looking for them.

Budgets Get Real was designed from the ground up to be as time-saving as possible.
There is no manual data entry and Budgets Get Real automatically categorises your expenses for you.

The more you use it the more it learns how to categorise your income & expenses for you. After you have imported a few statements we would expect around 90% of your transactions will be automatically categorised without you having to lift a finger.

I challenge you to find personal budgeting software that takes less time to use,
and gives you more effective real savings than Budgets Get Real on an ongoing basis!

“Just a quick note to let you know that I purchased your software yesterday and started using it straight away.

So far I am very pleased with it. It is minimalist but powerful.

I am especially pleased that it runs on Mac and PC as I recently switched to Mac but have a PC at work. And it can run on USB which makes it easy for me to use at both places. You have clearly put a lot of thought and effort into this.

I have used Quicken in the past but gave up on it - so many hours slaving over data input, but was not able to get any meaningful reports or budgets out of it = waste of time.

I then started using a spreadsheet, but that proved way too hard. I tried using pivot tables for my reporting but it just didn't work out. Then I stumbled on your website whilst Googling around for ideas on how to make my spreadsheet better.”

  — Douglas R. (Parkville, Australia)

 

Using Budgets Get Real my wife and I now sit down together and know exactly what is going on with our money. It makes it really easy for us to see where we were spending and what we can do about it.

It makes it so simple for both of us to decide where to save and plan where we're going to spend it.
But best of all we have more time to go the things we really want.

In the end I was so thrilled with this new budgeting software that it would have been unfair not to make it available to anyone else who was looking to make the most of their money with a budget.

Here's what some of our customers have to say about the software:

“I have been very pleased with this programme.
It is reasonably straight forward even to those who aren't particularly computer savvy.

Any questions I have asked have been answered speedily and comprehensively. The reports that are generated are clear and cogent and identify quite graphically any areas of expenditure that are a concern.

The whole package makes keeping to a budget quite rewarding.”

  — Alan Troy (Perth, Western Australia)

“I am a retired grandmother. I needed a user-friendly program to keep track of my income & expenditure for taxation and personal reasons.

I found this with Budgets Get Real.

Easy to learn, easy to use and the reports are exactly what I needed.
The back up support has been excellent. Thank you so much.”

 
— Joan Tate (Lake Cathie, NSW)

In the US, cash still accounts for 33% of purchases

In the UK 72% of all payments are made using cash

And in Australia over 40% of purchases of $100 or less are made with cash.

These days I spend my time helping others to manage their money better and to reap the benefits of budgeting, just like I did.

If you need any help with my budgeting software, simply send me an email or give me a phone call. Support is free and Budgets Get Real comes with a 60 Day Money Back Guarantee.

 

Purchase your copy of Budgets Get Real and
start successfully budgeting your money today.

 

No waiting for a CD to arrive before you can begin your budget.
You can download your copy of Budgets Get Real and start budgeting straight away.

 

Not only does Budgets Get Real come with a risk-free 60 Day Money Back Guarantee but you'll also get the following 5 bonuses (worth an extra $103.50), completely free of charge:

Bonus 1 - Cash Commitments Calculator.

This is a powerful budgeting calculator to show you what you need to pay and when. It includes a calendar so that you can always keep a safe balance in your account. It works out when you have to transfer money between your accounts so that you never get hit with fees.

This calculator alone can save you heaps in bank and credit card fees - with overdrawn fees at $35-$45 it will pay for itself many times over. More money for you! This calculator integrates into Budgets Get Real and makes use of all of your existing information - reducing extra work.

Bonus 2 - Future Spending Planner.

A program to solve the problem of planning for future and unpredictable expenses.

Perfect for planning the cost of holidays, car maintenance, weddings, home improvement, or extra funds for expenses you know will eventually pop up... for anything really! Integrates directly into Budgets Get Real.

Bonus 3 & 4 - Two powerful Reports

"Banking Your Way"
"Money Habits, Your Circumstances & Controlling Your Finances"
Two special reports to help you make the most of your money. Must reads.

Bonus 5 - Secure Password Vault

A bonus add-on program to securely store your logins and passwords. No more forgotten passwords, or passwords written on scraps of paper. You can use this for any passwords, logins or important details you want to safely record (like a passport number). Makes going to Internet Banking sites so simple.

All This For Only $ 97.00 (AUD including GST)

You can't lose with this offer -

You get a completely risk-free 60 Day Money Back Guarantee

PLUS You get extra Free bonuses worth an extra $103.50

PLUS You'll start seeing where you can save within 60 minutes of starting to use the program

PLUS The free reports are yours to keep even if you decide to return Budgets Get Real.

Don't waste this opportunity to take control of your finances -
start finding extra money for the things you really want, today.

Warm regards,

Peter McConachie

 

P.S. Taking control of your personal finances is simple with the right system.
Start by visualising on what you want to spend those extra savings. Budgets Get Real is great value for money, personal budgeting software.

P.P.S.  Budgets Get Real is covered by our 60 day Money Back Guarantee.
Even if you return the software you will clearly know the state of your personal finances and where you need to save. And you get to keep the free bonus reports! But best of all you will know where you can start saving in less than 60 minutes.

The information appearing on this website is for general information only and should not be taken as constituting advice. Informed Choices provides no warranties and makes no representations that the information provided or linked to is correct, complete or reliable, or appropriate for your circumstances.
You should obtain independent advice on any specific issues concerning you.
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