On 2 Nov 99, 22:26, Joseph Lee wrote:

>     I am currently writing a book on money management
> for a lower income audience, about how to use
> resources wisely, stretch each dollar, avoid waste, etc.
> I want to include a section on helpful resources such as
> other books on specific topics, companies, organizations,
> and software. What I'm looking for it a simple home
> budgeting program, preferably Windows 95/98, and
> preferably freeware. I've been to a bunch of freeware sites
> and come up with related programs such as calculators
> for credit card debt or for savings, but I want software
> that allows a family to set up and maintain a budget. It
> need not have bells and whistles or deal with investing.
> I use Quicken. But since the idea is to spend as little as
> possible, a freeware or real cheap shareware program would
> be perfect. I might even be able to include it with the book.
> If anyone knows of such a program, let me know. Thanks.

Joe, in your book where you are going to show low income families how 
to get freeware budget programs, how are you going to show them how to 
get the computers to run these programs? :-)
 
A spreadsheet program is the best for setting up a budget because that 
offers you individual flexibility based on your needs.  Spreadsheet 
programs are usually part of expensive office suite software.  However, 
the StarOffice software is free and offers those on a budget and even 
those with money, quality home office suite software, including a 
spreadsheet program to set up a budget:

http://wwwwswest2.sun.com/staroffice/

Else, here are three home finance programs that one might utilize:

Personal Finances 2000 is a freeware checking and savings register 
program allowing you to set up a budget.

http://www.iic.cc/personalfinances.html

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Cash Flow

CashFlow is a simple freeware application that keeps track of all kinds 
of payments. The application holds lists of incoming and outgoing 
payments along with their due dates and other information.

http://home.t-online.de/home/ulrich.hilger/dlcf.htm

---

Home Accountant -  program for management of the home finance and 
obtaining of statistics about motion of money resources.

http://members.xoom.com/_XOOM/KieProgSoft/index.htm

---

See the following page at winfiles.com for more ideas.  I just have 
picked out a few freeware programs.  There are some low cost shareware 
programs listed here:

http://winfiles.cnet.com/apps/98/finance-acct.html

Alan
[EMAIL PROTECTED]

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