MMS077: Our Favorite Personal Finance Software

EPISODE 77

[0:00:02] ANNOUNCER: Welcome to the Money Mastermind Show. Let’s Talk Money.

[0:00:18] GC: And welcome to the Money Mastermind Show. You know, we’re always out here where all these PF guys talking about this and that but one thing we’ve never gotten to on the show is our favorite personal finance software and there’s a lot out there and there’s new stuff popping up every day.

So I think we’re going to have a lot of fun today and actually talk about what each of our individual favorites are and I think it will be interesting to see if we have the same stuff in common or different ones. I think it would be really great for the listener, you as the listener to see what really works out there because it is inundating to see everything pop up in let’s say the iTunes store for the latest software or this and that. So let’s get started here.

Welcome to the Money Mastermind Show. We like to have these episodes where it’s just us and here is who the Money Mastermind Show is. We have Kyle Prevost of Youngandthrifty.ca, we have Miranda Marquit of Planting Money Seeds, Peter Anderson of Bible Money Matters, Tom Drake of the Canadian Finance Blog and I’m Glen Craig of Free from Broke.

So favorite personal finance software. Personal finance software, that’s a pretty big umbrella, a pretty big subject. I think a lot of things fall into that but let’s throw out some favorites out there and why you use them or why you like them?

[0:01:41] PA: First of all, I wonder if we should talk about why is it important to be using some sort of a personal finance software or spreadsheet or pen and paper or whatever.

[0:01:50] GC: Oh if you want to get all purposeful, go ahead.

[0:01:55] MM: Here we go, Peter living with purpose.

[0:01:58] GC: Yeah, no you’re right though because there is a reason to do it. That person shouldn’t just go out there and buy a software just because, “Oh you know what? I heard this is really good to have and somehow I’m going to be organized for just $50 bucks or something,” because it’s not going to be the case.

[0:02:14] MM: Right, yeah. So one of the most important things about getting your finances in order is actually tracking your money so you know what’s coming in, what’s going out, when it all happens and then it helps you plan. I use my personal finance software to look ahead and plan.

So not only do I use it to track what’s going on in my personal finances, I also use it to give me a look ahead, figure out what bills I have coming up, what income I can hope for. This is what happens when you have variable income, but it’s a great way to look ahead as well as figure out what where you stand.

[0:02:51] PA: Yeah, it’s the same thing for me. It’s key to know what’s coming in, what’s going out and what kind of money is slipping through the cracks because I think that’s one of the biggest things that happens if you’re not tracking your money in some sort of software or whatever, you’re going to be having money that’s just slipping away into the ether that you’ll never even see.

In our house, it was key to start tracking just because we have so many little expenses that we didn’t really think about that overtime added up to hundreds of thousands of dollars that we could have been using for something else to invest or whatever.

[0:03:28] GC: And I think in this day and age of automation and online this and that and it used to be back in the day, you had to balance your checkbook. You had to take that checkbook, you had to get that bank statements and see what was going on in order to follow who your money was going. But those days are gone. Everything just happens so quickly that it’s very easy to not look at your money at all and just hope for the best.

[0:03:51] MM: I balance my accounts every month. I mean I don’t use a checkbook, [inaudible], but I go through the process of doing it every month.

[0:03:59] GC: It’s not the norm that it used to be when you had to balance your checkbook in order to find out where your money was. Things happen and you don’t have to do it anymore. So I think a lot of people just sort of — it’s a skill that’s faded away to some degree. So having some sort of software that you can go, “Okay, what’s going on?” to keep yourself accountable is important and for me, the software makes it convenient and up to date when I need to find something, I can find it now. I don’t have to do a whole lot of mumbo-jumbo with adding things and searching for a lot of different things so for me that is important. What else?

[0:04:41] PA: Having software can be important for helping the set goals for savings goals that you want to reach. If you want to set up an automated investment program so that you can start saving for retirement or whatever, using some kind of software can be extremely helpful in doing that. You can kind of visualize where the money is going and how it’s going to grow overtime. Goal setting I think is a big one.

[0:05:07] GC: Yeah and it’s not just checking accounts or saving accounts. It’s also investing and money and also telling things too, right? You can buy bonds now, when I was a kid my grandmother bought me bonds all the time and that meant that I kept it in a small envelope hidden in a drawer somewhere but now, you don’t even do that. You buy them all online and track them. So that’s a type of software right there that you could be using. So what else, where do we go from here? We’ve talked about the purpose.

[0:05:43] PA: Let’s talk about where you use it.

[0:05:44] GC: Let’s do it, throw it in there. Who’s going to toss one out there first.

[0:05:50] PA: Well, what did you guys use back in the day before all the easy stuff came out? Back in the day, I was using an Excel spreadsheet or something to track a lot of this stuff and that was just a huge pain in the butt. You had to enter everything manually and you could do a few things automated by putting in some formulas and stuff in your spreadsheet but it could be a huge paid to track this. And I mean this wasn’t that long ago it’s maybe 10 or 12 years ago that I was doing that.

[0:06:19] TD: I still use Excel for my business. It’s just out on the boat, sort of the different sources and stuff and getting it all collected. So yeah, and I certainly had to use Excel in the past before all these other awesome great tools coming up.

[0:06:37] MM: Yeah, so I’m interested actually in hearing more about Kyle because he doesn’t use personal finance software. So I would love to know why he doesn’t.

[0:06:49] KP: Maybe I’m just an irresponsible guy. I’m not sure? I guess the other thing is my family unit finances are probably fairly simple compared to most because it’s just my wife and I. So basically, I do my banking and my bank has a pretty good software or online presence I should say. It’s not software related and you can track things pretty easily I find.

My discount brokerage is recently really up their game and they also track things. They can put in a nice graph for me and organize it however I want. Maybe it’s just that I don’t have as much money as you guys. It’s not as much to keep track of so if I don’t have as many assets and money then maybe that’s the ticket to making it without software.

[0:07:38] TD: That also sounds like you keep it a lot simpler though. I’ve got a different form of account with all five major Canadian banks so it’s hard to be able to bring that all together in one place. I’d be lost without it.

[0:07:51] MM: Yeah, so what do you do Kyle as far as keeping track. Do you use pen and paper or do you just sort of look at it every now and then?

[0:08:02] KP: Well, what I’d simply do to track it is at the end of every month, I look at my bank statement and I look at my credit card statement and those are the only two statements that affect my income and outcome and then make sure that I am meeting my savings goals and then I wire that savings amounts to my discount brokerage and I quickly buy index funds with it that don’t track cycles.

[0:08:25] MM: Nice, very nice.

[0:08:26] KP: So that’s really it. I do have goals that I set for monthly and yearly and from my wife and I and as long as I’m meeting those goals and I check my outputs on my two statements and that’s it. That’s my whole system.

[0:08:45] MM: So do you have very few expenses then so you don’t have to look really hard about, “Oh my gosh, I’ve got this whole big list of stuff that I’ve got to be able to match it up.”

[0:08:56] KP: Yeah, again, maybe this isn’t the best and most applicable for everyone else out there but I live in this rural area, there’s maybe seven or eight days a month where I don’t have any transactions just because what do I pay for on a daily basis? I go to work or I blog. So it’s sort of one of these things where I might have 10 to 12 transactions in my bank account, my payment is all in one month sum at the end of the month as a teacher. Then maybe between my wife and I maybe have 25 credit card transactions just purchasing day to day stuff I would say on average and it’s pretty easy to look and just check and see where the money is going month in and month out.

[0:09:40] GC: You know it’s interesting, does a personal finance software have to be something that you buy outside of it? Like you said, your brokerage account and your banks they’re pretty robust on their own showing you a lot and it wasn’t that long ago, I talked about balancing your checkbook where if you didn’t have that statement mailed to you, where are you going to go for that information? But now, it’s at your fingertips with most banks.

[0:10:06] KP: And its cloud based and it’s quite secure. I mean as years, as anything else can be these days, again, I don’t have a big enough deposit that our insurance in Canada doesn’t cover it. So yeah they’ve gotten much better over the last three years both the brokerage and the bank and I can access them from any platform, any technological platform and so that’s it for me. Now again, my investments are very simple. I don’t have big real estate holdings or anything like that so perhaps I’m not the best guy to be looking at complicated software features.

[0:10:45] MM: No, I think that’s a good idea because really my financial management is maybe like a step above that when I use my personal finance software. I use Moneydance and it basically looks like a ledger that I have on my computer. It’s basically Quicken 2005 for Mac is what it’s closest to and if anybody remembers Quicken in 2005 for Mac, it was really awesome.

Now, Quicken looks like Mint and it’s horrifying, because Mint is not my thing. I know lots of people like it and that’s cool. If it works for you, that’s awesome but that’s not my thing and I absolutely refuse to connect mine to my bank accounts. I keep it separate, I put everything in manually. It looks like a ledger and really basically, all it does is help me reconcile with it at the end of the month. It makes it really easy for me to reconcile all of my accounts at the end of the month.

But basically, I have the same kind of basic structure. I’ve got everything on my credit cards because that’s what I do and then I just pay the credit card off at the end of the month and it’s perfect. So I’d love to know what else is going on in there.

[0:11:54] GC: Well, I mean like you mentioned, you mentioned Mint. I’ve been using its sister product or big brother product, Quicken for Mac, I think it’s the 2015 version.

[0:12:07] MM: I’m so sorry Glen. I’m so sorry.

[0:12:09] GC: But you know, what I like about that, I think every one of these softwares have their quirks. So it’s whatever works best for you and I think that’s important for people who are listening out there. You have to understand what it is that you’re looking for and what it is going to work best for you. What I like about Quicken is that because it’s connected, I could see everything there.

And I’m allowed to enter transactions in as I’m doing them. So if I go food shopping, I could pop it into my phone and it’s there to be accounted for immediately so like I’m sort of balancing my account as it happens. Where a lot of other softwares, it’s after the fact. So once the bank updates, then you could see it on the software. So sometimes that’s a little bit slow for me.

Like if I’m writing checks, I actually still do write a bunch of checks. I want to know that it’s in the account before its being cashed, this way I am balancing my checkbook in a way and Quicken allows me to do that. So that’s what I like about it. I’ve seen a couple of other softwares that don’t have that functionality. I do have some complaints about it but that is what I really like about it best and that’s why I’ve been sticking with it so far.

[0:13:35] PA: Yeah for me, I started way back in the day with a product called Microsoft Money. This is years and years ago and I loved it because it had all sorts of functionalities as far as downloading directly from your banks, you could have a ton of different reporting and it was just a fully functional software that had pretty much everything I needed.

Overtime, that product kind of got sunsetted by Microsoft and they’ve stopped updating it and they stopped making it. So I ended up having to move off to something else and a few years ago, I started using You Need a Budget, back it was still kind of a beta product at the time. It wasn’t super fully functional at the time but it’s changed over the years.

They’ve gone through four or five different iterations and they just released a new web based version recently but I currently use the desktop version. It’s called YNAB 4 and you’re just going in, you’re entering your transactions every month as you do them and then you could download your transactions for your bank at the end of the month and kind of reconcile everything.

To make sure that you’re not missing anything or anything like that and for me, it’s just a great way to stay on top of the day to day. Where the money is going, we can run reporting against different categories. Also it allows us to run a zero based budget basically for giving every dollar a job. So every dollar that comes in is either going out to an expense, a saving category or something else. We can see all that stuff in the software as it happens.

So we can say, “Okay, we’ve only got $50 bucks left for eating out this month,” so we know and think about where we’re going out to eat or whatever. We’re not going to spend more time and money on eating out. Or we know, “Okay, we’ve only got $50 for entertainment,” or whatever. So it’s a good way to stay on top of your budget kind of and make sure that you’re not having all these money leaks every month.

[0:15:41] GC: That’s an interesting perspective that a lot of other softwares may not touch on so much that’s core to what You Need A Budget has. That every dollar has its purpose and that you’re going to make sure that you follow what’s in there. You have to actually go in there and give it that purpose so that is like a really nice personalized way of looking at your money and making sure that that’s there. I know that some other softwares do have some goal setting purposes as well but I know that’s big focus of YNAB.

[0:16:14] MM: Yeah and one of the things I like about using Moneydance is that I can schedule transactions ahead of time. So a lot of the time, I’ll schedule in the bills that I know that are coming out. Well really it’s just the car payment and the car payment because everything else is on a credit card but you can look ahead and see what’s coming up, what you’re doing and then I can click it in there.

Even though it’s not coming up until the 15th or whatever, I can click it in and enter it in as if it’s coming up and it will put it on the 15th as a future thing so I can put those in there and see how much money I’m going to have left because I do like to know how much money I’m going to have left because I spend until it’s gone, so yeah.

[0:17:00] GC: And Quicken has a functionality like that too where they’ll have your reoccurring expenses so that you know. Let’s say on every 15th you have to pay whatever, it will learn that to a degree and it will pop out and look for that sort of transaction and give you a little bit of a heads up going, “Okay, you know what? We’re looking like we’re getting the red there, what’s going to happen.”

[0:17:21] KP: I have a quick question for you guys that do make good use of software programs. Do you think that they have made you a more efficient personal finance person or do think it just made you quicker? I just wondered like how many people when they use this new software make use of all the beautiful graphing features and the goal setting features, do you think it’s like a chicken and egg thing for those of you guys who are using spreadsheets before anyway or does it actually really help?

[0:17:49] TD: I think it helps me. I use Mint and I have everything automatic. If I have to write everything down in a checkbook like my dad did, I think I’ll probably get behind because I’m too busy to be doing that. I’m really good at reviewing what’s in there. I like that I get e-mails and app updates and stuff whenever there’s anything questionable or large or anything like that.

So I feel like I am constantly on top of everything. Glen mentioned how sometimes banks take a while to update. The banks I use lately have seem to be pretty immediate like the same day kind of updates and that makes it into Mint. So I saw the delay in the past but lately I’m on top of things.

[0:18:34] GC: Sometimes let’s say you get a gas, you use a card, sometimes it takes a day or two for those transactions to even hit, so it’s that type of thing. So if I could enter it in as it’s happening, I know it’s in there or if I have a check, I know it’s in there. In this day and age, you get most things do happen around pretty quickly but sometimes, it doesn’t all go through.

[0:18:54] MM: So here’s something I was wondering Glen, if you put it in manually and then it comes in from the bank later, does the software know how to match it and then cancel it out so that it doesn’t look like two of them are being done?

[0:19:07] GC: Usually, it will know. It will see it. Obviously, if you enter something wrong or you put the wrong penny amounts or something like that, it’s not going to know. You’re going to have to still go in there and do something with it. So the software, that’s one gripe I have is that it’s not completely automatic and that some things you still have to go in and keep re-teaching it and do but for the most part it will catch those things that you put in and match it.

It’s good at recognizing the names for the most part but to get to Kyle’s question, I think whatever software you’re using, it still depends on the person. So a to-do list is only as good as a person actually looking at your to-do list and doing what’s on there. The software that you pick is still up to you to go in there and do whatever it is you’re going to do with it.

If you’re going to get like say YNAB and you’re not going to give purpose to all of your money, that might not be the best software for you. So it really depends on what you’re doing with it and whether you’re going to care about those features.

[0:20:15] PA: Yeah, I agree with that too. I think YNAB, their new version that came out recently. It’s not nearly as full featured as the version that I am using currently. It’s more of a web based version and just a released product, when they release it, they didn’t include a lot of the recording features and searching functionality and a couple other things as well, which some people that want things to be more automatic and just happen on their own, they were happy with that because they weren’t going to use a lot of the extra stuff anyway.

Myself, I find some value in it and a lot of that stuff when I actually use it. So I wasn’t as excited about that. So like Glen said, it is really down to the person whether they’re motivated to actually use what’s available to them and what it comes down to is you need to figure out which tool is going to fit your style the best. YNAB may work well for me and might not work at all for Kyle.

[0:21:11] MM: Yeah and I like what you can Glen are saying about figuring out what tools. Mint isn’t really my style. To me, it feels like it’s catching up with what you’re doing and I know they made a lot of changes and Quicken can kind of work with that and you can plan ahead but I really like the fact that once a week, I sit down with my receipts and I put them all in manually.

I look ahead and I see what’s going on and it’s just sort of this process that I have that makes me feel like I am engaged with my money and where I use this kind of ledger system and I have my credit card accounts in there and I’ve got my investing stuff in there and I just sort of go through and look at it. I really like that because I feel like I’m interacting with my money to some degree.

So that works for me but I know there are a lot of people who are like, “I do better if I can just have Mint take care of it all and I can run a report and look for trends.”

[0:22:12] GC: Yeah, I mean one gripe I have with Quicken is it seems it always wants me to authentic an account. So every now and then, it will be running smoothly and then all of a sudden like one bank just pops out and I have to put it in and it just gets all quirky and doesn’t work for a while. So it doesn’t update and when it does update, I have to go in and make sure everything is balanced out. So that’s a pain for me and that’s one gripe I have with that. I don’t know if it’s just my banks or what.

[0:22:39] PA: I think that’s a pretty common thing, yeah.

[0:22:42] TD: Yeah, I get it with Mint too. I think it’s probably more on the banks than the apps a lot of times with that when things change and how they connect.

[0:22:51] GC: Security measures and I know sometimes, they change the way that they do things and you have to change things in there too but it annoys the bejesus out of me.

[0:23:02] MM: And I did say I do use Moneydance and I put everything in manually but that is a software that does have a connectivity. You can connect it to your bank accounts if you want. It’s just something that I refuse to do.

[0:23:17] GC: Now another software that I use, and not often but I use it, is Personal Capital.

[0:23:22] MM: Oh yeah, that’s a good one to mention.

[0:23:24] GC: Where you can see all your investment accounts. Now, I can see all my investment accounts also in Quicken but it just seems to be a little more robust in Personal Capital as far as how you’re allocated and you see your fees and it does a lot, they have the phone app and everything. My only problem with Personal Capital is that I can’t put in the transactions as I’m doing them and that’s the difference between that and Quicken.

If they have that functionality where it’s like, “Okay, I just went food shopping and spent X amount,” if I could put that in now before it hits, that would be awesome then I can update it. And to me, sometimes Personal Capital is a little bit too much. Like too big of a macro look because I am looking at everything like it gives me the value of my house, it give me this, that and I’m like, “Woah, wait a second, I just want to know whether I could buy this without going bouncing the check.”

[0:24:15] KP: An over charge fee, yeah.

[0:24:17] GC: Yeah, I know.

[0:24:18] PA: That’s what I actually like about Personal Capital. I use it as well and I kind of use that as my overall big picture look. I can just go into it on a certain day and take a look and see, “Okay, this account has gone up, this has gone down, those five transactions hit this account and those other ones hit too.”

I use YNAB more on a micro level. I use it for budgets and spending categories and all the day to day entry of transactions and so forth. So I kind of like the two level things. Personal Capital, when I’m out and about, I just need to do a quick look at my accounts, I’ll jump in there and take a quick look there.

[0:24:58] GC: Yeah, I think it’s a little more similar to what I’m doing. Like if I want to see my retirement accounts and everything else as everything moved and everything, I could see it that way. And I could still see my bank account in there too but if I really want to catch up and see where it is, I can either just go to my bank or I will get the Quicken stuff.

[0:25:17] MM: Yeah — I forgot what I was going to say.

[0:25:24] GC: And it’s interesting because I do use my banks app also often as well. It’s come a long way and now, I can’t remember the last time I went and brought a check to a bank or even put a check into an ATM machine. I thought that was the greatest technology in the world that I could just put a check into the ATM. But now, I just find some dark paper, throw it on there and take a couple of pictures of it and I’m done, which to me is incredibly useful.

[0:25:57] MM: Yeah and another thing that I have done is I’ve added one of my credit cards to the wallet on my iPhone. And here in Idaho Falls, I don’t get to use my phone to pay for anything but what does happen is whenever I use my card, whenever I use this credit card it just comes up a little notification on my phone.

It doesn’t buzz at me or make anything obnoxious but it just shows up and that’s really useful because that’s the credit card that’s attached to the iTunes account or the Amazon account. So I can see when my son is doing things like buying apps while I’m on a business trip and I can come home and say, “You don’t have $50 to buy coins and make in-app purchases so now I’m going to loan shark you and you’re going to make payments to me.”

It’s great because it does it. It notifies me when these credit cards are being used and it just helps me. It’s been very helpful in terms of now that I’ve got a son and these financial things happening and it would have been very useful when I was married as well but I didn’t have that option back then.

[0:27:12] PA: I just started using the Android Pay on my Android phone too recently. I put a couple of my credit cards in there and pretty much everywhere around us takes that. Now you just bump your phone up against the register and then it automatically pays. So it’s pretty nice but what I like about it is I don’t have to carry about 30 different receipts around in my wallet and get that back in because my wallet is so thick now.

[0:27:38] GC: The George Costanza wallet?

[0:27:39] PA: Exactly the George Costanza wallet. Instead, I get a little notification on my phone and an e-mail in my inbox and it will remind me I got to enter it into YNAB later on but I don’t have to carry a bunch of receipts and lose five of them or whatever.

[0:27:54] GC: Does that automatically give you a receipt on that or is it just that it hits your credit card and then you see it there?

[0:28:00] MM: You can set it up to receive it. Sorry, you can set it up to receive e-mail receipts or I just have mine it just shows up in the notifications and I can just flip it over on my phone and it will show me my last however many transactions. I could scroll down and look at them all and make sure they’re all in my personal finance software.

[0:28:22] GC: Can I say I love the idea of an e-mailed receipt. To me, I’m like a receipt hoarder. I’ll even keep them in my pocket for like until my pocket is about to blow up George Costanza style and then I just dump it out somewhere and then it just sits there. If I need it, I have to go piling through it and then these are all these thermal paper.

So if it’s three months old, it all disappears. It’s like invisible ink all of a sudden or it just gets to a point where you can’t read it anymore so it’s not useful whereas like the ones that are the e-mail ones, I just go into my e-mail server, type in something and then all of a sudden, you see everything again which to me is like, “That is incredible”. It’s almost as incredible as being able to scan a check.

[0:29:11] MM: Yeah, well I started getting a lot of the e-mail receipts too and then I set up separate folders in my e-mail for business and charity because I have my charitable contributions set up to pay with my credit card to these different organizations that I send regular donations to. So they’d send me an e-mailed receipt. So I have different folders set up in my e-mail for business, for taxes, for charity and so I can just quickly archive it in the proper folder and easy. Easy for my taxes, easy for everything else.

[0:29:47] GC: It does make things or organizing a lot easier. So what else do we have to say about personal finance software? Do we have the one ring that rules them all?

[0:30:04] TD: It sounds like we’ve all got different ways of doing this.

[0:30:08] GC: Which is interesting.

[0:30:09] PA: Let me put it this way, there is a different finance software out there for everybody. I once did a post just trying to bring together a list of all the different personal finance software and I stopped at around 75 or 80 different software just because there are so many of them out there.

I think the key is to figure out what’s going to work best for you. What do you need the software to do? What do you want to track? Are you going to do a full budget or you just want something to keep an eye on things? Then go from there and figure out what will fit your needs.

[0:30:42] GC: That sounds like a really good final word.

[0:30:46] PA: That’s my final word, I’m sticking to it.

[0:30:48] GC: Look at that, yeah. How’s that for a jumping at it. So Tom what’s your final word on personal finance software?

[0:30:54] TD: Well just like I said, I don’t like to enter anything manually. I certainly don’t like to pay for anything too. So anything for me that can be automatic and digital, it just kind of makes it so much easier for me to digest.

[0:31:09] GC: Miranda, what’s your final word on personal finance software?

[0:31:12] MM: Yeah, once again just look for what works really well for you. I personally like the whole manual process of it. It’s really a weird juxtaposition because I automate most of my finances like my retirement account, my travel fund, my emergency fund, all of my car payment, my charitable donations for heaven’s sake, all of that is automated.

But then, I like to be able to go in and manually check everything out as well. But yeah, go figure out what works best for you and if you don’t need a personal finance software, great. And if you want something that has everything for you, that’s also great.

[0:31:54] GC: And Kyle, what’s your final word?

[0:31:56] KP: Well as the guy that’s back in the stone age on this, I guess what I’ll encourage everyone to do is to say that no matter what personal finance software or what type of technology you’re using to access your budget or your investment plans, remember that the electrical synapses that really matter are up in your head.

[0:32:14] GC: There you go. For me, it’s all what’s easiest for me to use and when I’m using it, it helps. I do find that it could almost be addictive when you start checking things and you want things to update and you’re like, “Oh is it in there? Is it in there?” It almost becomes a little bit of the game but if you’re using a software, you’re taking care of your money. You’re caring about it so it could help a lot but yeah, find something that you’re actually going to use and that you’re going to need. Don’t waste money on something that you’re not going to do anything with.

So I think we had some great suggestions here and mini-reviews for all sorts of different things and if there’s any companies out there that represent the companies that we’ve discussed, we’d be happy to talk to you because we have a lot of good input here. Find what’s good for you. Do something, pay attention to your money. Thank you everybody and until next week, be good with your money.

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