Making a budget? Here's something new for your toolbox
After saving for five years to finance an around-the-world trip, Daniel and Jill Tobias knew how to make a budget to fund something special. 
But their system actually was a bit clunky.
Daniel Tobias said his spreadsheets were just too complex. “I gave a few friends copies and they never used them,” he said.
So while he was on the road – for almost two years, roaming from San Diego to South Africa and home again – Tobias tinkered with his system and came up with a better version.
Back home now in Cooper City, Tobias has launched www.doughhound.com. It’s a free, online budgeting or spending plan that has flexible budget periods and categories that users can customize for regular use or for a project or goal, like, say, financing a world tour. Users make the rules and track their own spending.
There are plenty of places online where you can create a budget. But the unique thing about Tobias’ online budgeting tool is that users don't have to reveal their bank or credit card information.
“With so much identity theft occurring, people are hesitant to put personal information on a third-party site,” he said. That's why he decided to eliminate any concerns about security.
The start-up is designed to make money from advertising.
Harriet Johnson Brackey, the personal finance columnist for the Sun Sentinel, is an award-winning business reporter. Her columns for 2008 were named "The Best in the Business," a national award chosen by her colleagues at the Society of American Business Editors and Writers.
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