A lot of people aren't very good at money management. When they have money, they're not completely sure of how much they have, or where they're spending it. When the money starts to run out, they usually don't see the zero balance coming until it's too late. They go on a gut feeling of how they are doing financially, but they don't realize that their guts are usually wrong.

On a personal level, this is certainly bad news. But when you take a lack of financial organizational skills to a small business level, the results can be disastrous. Thankfully, both situations can be made much better with a little bit of organization and income/expense tracking.

Spryka Desktop Budget is your complete solution for managing your financial picture, and is equally capable of handling both personal budgets as well as the accounting needs of a small business. Throw in some handy customizable reporting powers, and it's all winner, winner, chicken dinner.

For personal use, Spryka Desktop Budget can help you stop the slippery slide into insolvency by helping you to set up a budget. With the ability to define your own budget categories, you'll be able to quickly identify the "problem" areas where you spend the most.

For small businesses, Spryka Desktop Budget enables you to define the payers, payees, accounts, banks, and currencies for multiple accounts. For foreign currencies, Spryka Desktop Budget downloads the most current exchange rate from the Internet before you enter the transaction. If you have the need to maintain varying levels of access and security for different employees, you can even have separate databases for different purposes.

The real charm of Spryka Desktop Budget lies in the program's flexible reporting capabilities. The program comes with five ready-to-use reports that show you Cash Flow, Transactions, Spending by Category, Spending by Payee, and Budget by Category. If none of those float your boat, you can produce a variety of reports that are suited to your individual needs, and each report offers a visual representation of the status of your accounts.

If you've already taken a stab at using online banking and money management software, you'll be happy to know that Spryka Desktop Budget can handle almost any online banking and financial software file format that you throw at it. You'll be able to import your QIF, QFX, QBO, CSV, RegNow, and eSellerate files from your existing app or online bank and hit the ground running. You also have the ability to output your Spryka Desktop Budget data in your choice of QIF, QFX, and CSV format.

But wait, there's more! Spryka Desktop Budget is also a fully featured investment portfolio manager that allows you to keep track of your holdings, with gain/loss information that is updated with the latest pricing information from the Internet. So, you'll get to see not only how bad you are at spending all of your money, but also how horrible you are at picking stocks!

With all of this, what more could you ask for? How about the ability to predict the future? Well, you won't be able to get next week's lottery numbers, but Spryka Desktop Budget offers you calculators that enable you to forecast the performance of savings, loans, and mortgages before you do something that you'll regret. It's smart like that.

Spryka Desktop Budget. Great for personal finance, great for small business accounting.