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Did you know you can use your tax refund to make a bigger payment on your mortgage, if permitted by your financial institution, and save thousands of dollars in interest?

Budget Express provides a practical calculator that enables you to see the benefits of this operation.

Here is an example. Let’s suppose you make monthly payments on a $200,000 mortgage over 25 years at 4% interest. Read more

Have you ever used the follow-up tab to monitor your credit use in Budget Express? It is a simple way to see the evolution of the balance and find that your reimbursement efforts are paying off!

If your financial situation requires you to follow your budget very closely, the credit follow-up function could be very useful. To take full advantage of it, you must have a credit account, for example a credit card. Each time you purchase something using the card, you enter an expense in Budget Express and specify the method of payment. As it is a credit purchase, the effect is not immediately visible in the calendar view and the amount is indicated in gray. Read more

Jean had never experienced money problems and was enjoying life. When an accident happened to him, he quickly found out that the disability insurance does not allow him to maintain the same lifestyle. He needed a financial cushion and a good budget!

User Profile
Man, 36 years old, parts finishing trainer, owns his house where he lives with his life partner and their 2 children (9 and 10 years old), has no investment other than RRSP, considers his debt ratio as average. Read more

You’re back home from a superstore and you find out that your bill contains both clothing and groceries. Did you know it is possible to allocate the amount of the bill between several budget items in Budget Express?

First of all, you can do it manually. You add up the amounts for each expenditure item, such as “Clothing” and “Grocery,” and you enter them in your calendar according to the planned operations.

If you use the bank reconciliation, here’s how to achieve it. Read more

Lise is a young retiree who has used Budget Express for over 4 years. She and her husband are now dreaming of Italy! However, they are aware that they will need big savings efforts to realize this project… First step to get there: follow the family budget!

User Profile
Woman, 60 years old, retired, owner of her residence with her spouse, lives approximately 30 kilometers from the nearest town, has a fairly new car for which she is still making payments, has no investments other than RRSP, has a cottage, considers her debt ratio as moderate.

Read more

After a few years keeping data for your budget, Budget Express may start to be slow. Indeed, the software must every day perform more and more calculations. Therefore, the calendar view may take several seconds to refresh when you adjust an operation.

To avoid unnecessary loading time, it is recommended to create a new budget each year. Of course, you will not lose any of your planned items nor amounts! Your budget will only be eased up of past data.

Here’s how to create a new budget without losing anything. Refer to the illustrations for more information. Read more

You can check your transactions in Budget Express by comparing them with those of your bank statement and make appropriate corrections manually. However, there is a much faster way to achieve this: the bank reconciliation.

This Budget Express option allows you to import a transaction file provided by your bank (usually generated from the online bank services). Thanks to this file, you will be able to associate your actual operations to those that were planned in a few clicks. Read more

My intention today is not to make you cut out the morning coffee you bought at your favourite retailer, nor to point out that a dollar spent is a dollar less in your pocket. Everyone is aware that saving up can sometimes require making sacrifices. Whether it’s getting rid of a second car, bringing lunch to work on Fridays or opting for items on sale in stores, saving is a well-known theme to the majority of folks.

It’s in this frame of mind that this post will be useful to you: by presenting five strategies to start or consolidate your savings plan. Read more

I love to travel every year, even if it’s a modest trip. I plan my budget around this but I also plan some savings for retirement. My budgeting strategy: in moderation, everything is possible!”

User Profile
34 years old man, building systems technician, gets some income from travel allowances, has a young kid, co-owns his house with his life partner, has an old car, actively contributes to RRSP, has no debts aside of mortgage, is quite preoccupied by his financial position when retiring since he has no pension fund.   Read more

We’re really excited to annnouce this amazing news! We’re back on Office Depot’s retail shelves and website in the USA! The launch was quietly done over the past few weeks and we were waiting for their web page to load before announcing it here. Yay!

This is a huge step for our company : get Budget Express back in one of USA’s leading retailer. And, for us, what’s really remarkable: Office Depot accepted to sell Budget Express in all of its 1,000+ stores nationwide! Not only is this a huge opportunity, it’s a sign that Budget Express is a good, trusted and simple to use budget & personal finance software.

This is the first major announcement, and none the least. October will be busy! Soon to come, news from Walmart Canada and the release of our new bilingual box.

Dakx, Yves & the I2S Finance & Budget Express team!