Budgeting

No doubt being free is a contributing factor, and in this new era of web2 technologies where useful free website services like Remember The Milk are gaining popularity, the proposition of offering useful functionality free of charge, can take a website service from being desirable to being irresistible.

It is most likely the practicality and usefulness of the task at hand that can be easily accomplished with an online utility, which goes to the core of why one little online personal budgeting utility is catching on with rising popularity, being free is really the icing on the cake. And it really is no wonder that a utility like this would popup sooner or later because personal budgeting touches every single one of us, including those not doing it or not understanding it or intimidated by it. Fact is that any of us can realize very real and quite significant benefits from good budgeting because we all live in a currency driven financial reality, no matter what our personal view of money is and no matter how frugal we want our life style to be, at the end of the day we cannot escape the simple reality that we have to deal with some money coming to us on a regular basis for survival, and some money leaving us to support our needs. And while we all do this money in - money out game, not all of us are doing as good job as we can counting what comes in and what goes out.

Budgeting is all about counting the money we take in and the money we pay out, counting what we pledge for those amount to be and then counting how well we are doing in meeting our pledge, the principle is really simple and so is doing it, but it can be daunting and time consuming if not approached in an organized manner, and it requires a bit of a one time initial setup that will go a long way in keeping the ongoing budgeting task truly effortless. This is where Out Of The Dark (OOTD) comes in. It must have been designed and created by one who is passionate about budgeting because OOTD is a simple utility that does one thing and one thing only, that is financial budgeting, straight and simple and with no unrelated bells and whistles, just the budgeting, and that it does very well.

If the down side of creating and maintaining a budget is that it can be daunting and time consuming, too much effort to bother with, than OOTD's shining allure is in making personal budgeting for everyone truly effortless. It does everything for you with admirable simplicity and ease of use. It gives you a budget page that any none financial minded person can instantly relate to, it's a simple page of two blocks called Cash In and Cash Out each consisting of a set of categories that not only will fit most situations, but most likely will open your eyes to almost every category that you spend money on month after month and probably some that you did not realize, and that can be a real eye opener because with a good budget it's so easy to remember and keep track of what we actually pay for hairdressing or our pet food or toothpaste, not to mention stuff like annual car insurance or credit cards fees.

But OOTD does not stop there, it gives you the power to change and customize any category to your own personal need, the developer of OOTD deserves applaud for providing such advanced feature in a free utility. With this feature you can not only change the categories to your heart content, but you can also customize the entire budget say for that vacation you plan to take with your sweetheart or family, use it strictly to budget the vacation and since this is a web utility we are talking about, it can be accessed and used from anywhere in the world including your hotel room or any Internet cafe down the street, "You know love? We did not spend as much as we budgeted on food so far, want to go to that rock concert tomorrow? Or get that cool dress you saw yesterday?". Good budgeting can not only simplify our life but also keep our marriage happy.

Bottom line is that a utility like OOTD simply removes all the reason anyone can have for not budgeting, it truly does everything possible for you except plugging in the proper figures under the proper categories, and that, I believe is why a utility like this is catching on with popularity. The effort is too little and benefits too great to not take the plunge and start taking control of our hard earned cash while simplifying our life with the use of a simple online free budgeting utility.