Welcome to SMART BUDGET

Do you use any tools to control your personal or family budget? Then this video will interest you. You'll find that no other app, whether it's for smartphones or spreadsheets like Google Sheets or Excel, offers all the unique features that this advanced smart budgeting system integrates.

These are the main unique and innovative features of this budget system.

• Budget based on Income distribution where the total income values will always be equal to the total expenses plus savings allocated.
• Advanced system for controlling payment due dates for expenses to project them into future days to avoid surcharges for overdue payments.
• Cash flow crisis control model by delaying or deferring payments to coordinate with the receipt of revenue against the total payments committed.
• Calculation of the definition of capacity and planning of Savings support for protection of unforeseen events and control of savings plans.
• Determination of the Expenditure Structure, defining the groups of concepts included according to their importance and the control of their healthy finances.
• Automated calculation of Miscellaneous expenses, simplifying their updating by avoiding recording these concepts of large volume and minimal importance.
• Simplification of automatic creation of lists of descriptions for the Facilitation of only the incorporation of amounts and day of the month for the update.
• Control of the distribution of cash income and the joint use of credit cards for the payment of total expenses.
• Use and control of the balances of income, savings, and total cash flow in banks and in hand, and their effect on the use of credit cards.
• Control of the total balance of expenses with credit cards minus payments made.
• Determination of the health of their finances based on the Debt-to-Income Ratio (DPI) used by banks and financial institutions to establish their borrowing capacity.
• Base Balanced Budget Comparison Table counts your values in percentage to help you review and adjust your budget if possible.
• Thermometer system of the financial health of your budget and the determination of the percentage ratio of your debt income (DPI) compared against the maximum acceptable and your debt capacity.
• Projected expected results at the end of the month for all controlled items including savings and cash balances from day one.
• Dynamic graphical support comparing the base budget against its budget and the projected values at the end of the month by concept.
• Advanced development of formulas and functions for the determination of information tables support the main parameters throughout the month.

It may seem complex at first, but it is not. This is because its design is totally different from the ordinary: developed in Excel, it is accessible to any user, even without experience, thanks to its semi-automated, understandable and simplified structure. In addition, it has clear instructions, video tutorials, and personalized email support at: rmartinez900@comcast.net

he system can be tested online by activating it at homesmartfinances.net. If you purchase it here follow this process: To install this budgeting system on your computer just open it and save it in the final folder where it will be then check the top right of the MONTH tab put the current date then send it including the code below to my email rmartinez900@comcast.net to send you back the key to authorize its operation. IMPORTANT: The license of use has a duration of 12 months.