![]() Onto the disk image and delete the originals. Make it whatever size you think is appropriate and enable encryption. Open up Disk Utility (Appilcations -> Utilities)Īnd create a new disk image. In the interim, here's a reasonably easy way to protect it (and anything else you want). Outcry in favor of it, I could be persuaded to bump it up. In the debt management business, not the encryption business, and I don't know if I want to try to implement security in this manner. This is something that's on my list of neat features that might be good to implement, but in all seriousness I'm That expenses (or debts or transfers) are billable items and that you can't pay your second bill before you even get it, so it enforces you wait. This pops up if an expense occurs more often than income does. It won't shift a payment date to earlier than the previous event in the series. This way you avoid the temptation ofīinding to payday doesn't work! I got paid on the 15th, and I buy gas once a week! The first time, it set the bill to the 15th, but the second it didn't. Instead of letting funds sit in your bank account until the due date of your bills, you can just pay them as soon as you get paid. Pay on most recent payday? What does that mean? You can then select "Sum of" and add in a percentage of the balance. When that box is checked, it will include whatever interest accrued in your payment. Choose the minimum payments tab, and then click on On the debt screen, go to the complex view (the little gear button in the lower left). My minimum fee is interest + a percentage of the balance. That way, you can run any report you want and it won't be overpaid.īut to keep you from going bust? Maximum payments aren't necessary in that case. So you can set a maximum payment on the mortgage and then it'll get skipped over when a report is determining who to overpay. I put in the maximum payments option for cases where you have a debt in the middle of a reporting option that you want to "skip over".įor instance, your mortgage may have the 3rd highest interest rate of your debts, but you don't want to overpay on it ever, figuring that your money is better invested elsewhere. If you can only afford $400 in a month, it'll only send $400, regardless of the max. If you set a maximum payment of $500, but can actually afford $600 w/o going bankrupt, the app will still only send $500 and keep that extra $100 in the bank. I need to set up maximum payments, right? Otherwise, I'll run out of money, right?Īctually, maximum payments aren't required to keep you from going bankrupt, the program's smart enough to pay as much as it can, but never so much that it can't cover the future. Our track record isĪlso pretty good on the subject - most things most people request make it in there. The more ideas we get, the better the program can become for everyone. Naturally, We can't promise that all requests will make it into theĪpplication, but we certainly love to hear them. I'd love to see (insert cool feature) in the program! How do I purchase one?įor that, you'll need to email me separately to arrange it, but I'll be happy to provide one. Then set each of thoseįor the appropriate dollar amounts and the appropriate time periods. In the summer, you'd need to set up two different items for it - "Gas - Winter" and "Gas - Summer", for example. So if your gas bill is $100/month in the winter and $25/month Note that the defining bit of information is the dollar amount. My heating bill goes up in the winter and down in the summer. I always have more sales in the fall than any other time of the year. I shovel snow in the winter, and mow lawns in the summer. Just set this up as a custom repeating item. I'm paid twice a month - on the 15th and the 30th, how can I enter that? Go to the application's preferences and hit the registration button. You can easily save hundreds or thousands of dollars and shave years off your payments. If you properly handle and pay down your debts, ![]() To really make use of it and use it long term, you're obligated to register. You can evaluate a lot of the features, but if you want Fairly inexpensive shareware - only $27.95.
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