So what is Stash and what does it do: Schedule your income and expenses: Stash has an inbuilt scheduling engine that can help you prepare for what's coming in each financial period. You can schedule for any possible combination (any combination of: yearly, monthly, fortnightly, weekly, daily) for your expenses and income. It takes a short time to set up a budget and begin setting up a meaningful schedule for tracking your income and expenses. The point of this is so you can work out what is coming in and going out on a very flexible basis. Budgeting on a period by period basis: Once you have set up a schedule for all your incoming's and outgoing's (no matter how often they occur) you can see what's happening on the Budget screen. Stash has a common sense approach to budgeting that allows you to see all the information on one page. You can see the schedule for next month, the next 12 months and see what kind of effect that will have on your income and expenses. You can also fill a column yourself and calculate what you need to on a month by month basis. This is ideal for those times when things are tight. Your budget can be printed for carrying around in your wallet/purse so you don't overspend. Track what you actually spend: The Cash flow section allows you to enter the money as it is spent and as it comes in. Most people think that the heart of a good financial plan lies in the budget. This is a half-truth. You can only budget with the money you have. XE believes that a heart of a good plan is based on what you spend...plain and simple. A budget is a template that works out what you will spend based on what money you will get. Couple these features with charts to help you understand where the money goes, tools for loans and you have an inexpensive approach to managing your money how can you go wrong?