WANTED: A 5 yr forward bank-integrated cash-flow system

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Who has an expenses, budget and payment system that they are happy with?

When I was growing up, we were paid neatly on the 25 of the month, all our bills were raised on the last day of the month, bills arrived during the first week of the month and you had 30 days to pay.

One evening each month, you sat down and reconciled your bank account, you paid your bills, and if you were really organized, you entered your payments into you cash flow plan.

Isn’t life complicated now? Employers happily pay you in the first week of the month. Credit card periods end any time. Some credit card payments are due in 3 or 4 days;others in 30 days.

Some firms want direct debits but beware – if they allow a fraudster access to your account, which happens quite often, you will spend ages cleaning up the mess and restoring your credit record.

Needed: easy cash flow payment systems

What we need are some easy cash flow payment systems. I have seen one, I forget where, that liases with a bank but that is pretty frightening. I can’t get into my internet bank reliably as it is (British banks don’t seem to get computers.)

So how do we solve this conundrum?

I am looking for a simple system to manage expenses and to plan payments at least 5 years ahead to cope with payments like domain registrations that get forgotten.

Do you know of such a system?

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