It's Your Money

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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. Homepage.jpg

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.


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Great posting. But watch this: New ways of project funding are now available at http://SolomonCapitalPartners.com Full details, also on HYIP PPP funding are made available to you if you email SCP@SolomonCapitalPartners.com


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About the author
You've got the job of managing your money. No one in school taught you how. But you and I, we can teach each other, how to handle it, how to save for retirement, how to make money last, how to educate the kids, how to make a budget work. The conversations I have with my readers are fun. Money's important, but discussing it does not have to be boring.

Harriet Johnson Brackey 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.

Brackey has worked at Business Week magazine and at USA TODAY, where she was a founder and part of the original staff of the Money section at the country's first national newspaper. After nearly 11 years there - spent covering the 1980s bull market, the insider trading scandals, the 1987 crash - Brackey left Washington, D.C., and came to The Miami Herald. She spent the next decade writing a column about personal finance that chronicled the stock market's Internet boom and bust, as well as the popular Money Makeover features.

Brackey also has done commentaries for Marketplace Money, which airs on National Public Radio and The Nightly Business Report which is broadcast on more than 250 PBS television stations nationwide. She also has been a radio guest on WLRN’s Miami Herald News.
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