3 Humorous Debt Videos

By , April 1, 2011 10:51 am

I find these 3 video very hilarious because it seems to show a glimpse of my past life and how ridiculous my thought process was.

The first is a lending tree commercial. “I’m in debt up to my eyeballs” [Yet I'll keep smiling so no one knows]. Tip: Consolidation will not solve your problems buddy. A budget will.

Another classic is this SNL skit. It cracks me up how funny common sense can be when it’s not so common.

This last one I saw today for the first time. This reminds me of the “house poor” feeling. You have no money, so you might as well snuggle up and enjoy your debt.

A Word About Browsers

By , March 30, 2011 2:48 pm

Recently I added support for Google Chrome Frame. It has brought up a few questions from some users. Why did I do this? Let me explain.

The most bug reports I get come from people using Internet Explorer (IE). IE is notorious for having problems. Not only is it more prone to allowing a virus on your computer, but it doesn’t support web standards properly, which is the real issue.

The one advantage of IE is the ability to support Active X controls. This allows you to use plugins that can extend the usefulness of your browser. I used used to work for a company where we made a web based document management solution where you could connect to your scanner, scan files and view the scanned tiff files all within IE. But the problem is, it is this support for Active X that opens the doors for malicious viruses.

A while back I was thinking about this and realized that if IE allows you to plug in Active X controls and essentially run other programs within the browser, why not try to run a better browser inside of IE.

Fortunately I wasn’t the first person to think of this. Someone at Google did, and that is where Google Chrome Frame comes in. If you install Google Chrome Frame, Inzolo will act as if you are using Google Chrome. You will have less issues, better rending, faster performance, and an overall better experience. If you don’t have Chrome Frame install, you will see Inzolo as you normally would in IE.

There is a JavaScript snippet included in Inzolo that will detect if you are using IE. If you are, it will prompt you to install Google Chrome Frame. You can choose to close the pop-up if you don’t want it, but I recommend either installing it, or using one of these more modern browsers:

I know that Microsoft is doing a lot of work on IE9 to improve things and address all the web developer’s complaints. But so far it is still lacking support from what I have tested.

And now, for a little fun.

Manually Edit Envelope Amount

By , March 29, 2011 3:32 pm

There have been a few occasions when I have edited envelope amounts for people. I figured rather than me doing it, why not just everyone more power to make the software do what they want it to do. I don’t want you cheating on your budget… but if you ever need to manually adjust an envelope amount, you can do it now.

To manually set an envelope amount:

  1. In the budget view, click on an envelope to highlight it.
  2. Click the Edit button ()
  3. Click the Edit Balance link
  4. Set your new balance amount.
  5. Hit Enter or click OK to save.

Auto-scroll Envelopes

By , March 21, 2011 2:56 pm

Today I’d like to announce a personal win of sorts. This is a minor feature, but a big win in my book, mainly because it has driven me crazy for so long.

Before I ever released Inzolo, I had a friend try it out as a prototype. His number one complaint was that if an envelope was at the bottom of his list and not in view, he had to scroll down before dragging a transaction on to that envelope. Really it would be better if while dragging a transaction it would auto-scroll as you approached the top or bottom of the envelope list.

I’ve worked on it off and on at times and generally hit a brick wall. Finally, with a little help, I was able to get this to work.

Notice the yellow highlighted areas. When you hover over these areas while dragging a transaction icon, the envelope list will auto-scroll.

iPhone App Status

By , March 16, 2011 7:57 am

Many have asked about an iPhone app. Here’s the story, I hired a guy to help me write one and the results have been sitting on my hard drive for over a year. I never pushed it through the app approval process because I wasn’t very happy with it. It was VERY slow. I started writing a mobile web app and found it to be more responsive. I still hope to release a native iPhone and Android app for Inzolo, but no dates on when that will happen at this point.

As for the mobile web app, you can find it at https://m.inzolo.com

iPhone users:

To add a quick launch icon for Inzolo on your iPhone, do the following…

  1. Open Safari and go to https://m.inzolo.com


  2. Click the bottom center button to bring up the menu options.
  3. Click “Add to Home Screen” button
  4. Click the “Add” button

That’s it! Now you should have a launcher to open the mobile web app.

Inzolo Made My Taxes Easier This Year

By , February 22, 2011 9:51 am

My accountant’s office called me a few days ago to review my taxes before submitting them. She asked if I had a home office. Yes, I do, but the past few years I haven’t bothered to try to write it off. I did it once about 5 years ago and it took so long to figure all my utility bills that I figured I wouldn’t bother in the future.

So when she asked this year, it occurred to me how easy it would be. I simply opened my Inzolo account. That is the beauty of web-based software, you can use it anywhere you have a browser. I then went into each of my utility envelopes (natural gas, electricity, etc) and filtered transactions that were last year. At the top of my screen is shows exactly how much I spent. (Wow, did I really spend over $1200 on electricity? Ouch!)

Unallocating Income

By , February 18, 2011 4:17 pm

“Oops. I didn’t want to do that.”

It happens. Today I got the following questions:

I allocated $158 to an envelope.  I then changed my mind on the funds I wanted to allocated to the envelope.  How do I edit that envelope – say take the money back out of the envelope so it shows nothing was funded.

If you look in either your unallocated income box, or the envelope you allocated funds to, you should see a transaction record of your allocation. Simply click on the undo icon .

Here is short video showing you how.

Budgeting a Trip to Disneyland

By , February 7, 2011 10:50 am

I love Disneyland. My in-laws took our family 3 years ago and we had a blast. We went again just over a year ago and met my parents there. It wasn’t quite as fun the second time just because we all got very sick with fevers, body aches and the whole nine yards.

Plus, the last two times we went were during the holiday season. The first time was between Christmas & New Year’s. The second time was about a week & a half before Christmas. Both times the place was completely packed. There were signs up saying Disneyland/Calfornia Adventure were sold out! I’m going to go out on a limb and guess that Disneyland is much funner when it is not so packed.

I’m getting to the point where I want to go back. We had a baby last September so we are waiting until he is older. Our first time we went our youngest was 4 months old. He got very sick and when we returned home he developed RSV and had to spend a few nights at the children’s hospital. That was NOT a fun ordeal. I figure one year old would be a decent age. He won’t be nursing anymore and will be a little easier to manage. Plus, if you take a child before they turn 2, they get into Disneyland free.

We live in Utah. The past two times we have flown. It seems odd, but doing the math, it cost about the same to fly as it did to drive. But next time, I think we will drive anyway. Why? First of all, I hate what the TSA is doing with their groping security theater. This is my way of protesting. Other benefits of driving include:

  • Our kids can handle a long drive better than a plane flight. We put in a DVD in the car and they are entertained. Our last flight had TV’s in the back of the seat, but we had no control over what was available to watch.
  • We can stop and take breaks when we need to.
  • Less stress. It can be stressful going through all the airport security and make sure you get everything you need in place & on time.
  • Road trips can be fun & memorable.
  • Our luggage doesn’t leave our site & our control.
  • We are not limited as much to the amount or weight of luggage.
  • More freedom to travel. We don’t have to worry about catching a shuttle or taxi if we need to leave the Disneyland area.

All in all, with 4 small kids, driving just seems like the way to go this time around. Perhaps when they are older and the governement wises up and gets rid of the TSA it will make more sense to fly again.

I’ve determined from Google Maps that it will take about 10 1/2 hours to drive there.

When To Go

Like I touched on earlier, I really have no desire to go on a crowded day again. My friend send me this link that shows the best times to go to Disneyland if you want to avoid the crowds. I’m thinking sometime between September & October will be ideal. My youngest son turns 1 in September and my 3 year old turns four in September. So mid to late September ought to be ideal. Plus, it is not nearly as hot as the summer months.

I am not concerned about taking kids out of school or taking time off work. School work can be made up, and that’s what work vacation days are for. Memories made on vacation are more valuable in my mind than routine school or work days. So, also to avoid busy crowds I would leave on a Monday or Tuesday. Weekends are generally more crowded, plus, I may be a bit prudish, but I just don’t like vacationing on the Sabbath. It doesn’t feel right and therefore sort of spoils the vacation for me.

The first time we went we had a 3 day hopper. The second time we had a 4 day hopper. Honestly, the second time we were done and ready to go home after 3 days. Four was just a bit too much. I’m sure being sick with 3 small, sick children had a lot to do with that sentiment, but still, if the park is not crowded, 3 days should be plenty to do and see all you want.

So given the estimation of 10 1/2 driving hours (plus time for rest stops, lunch, etc) two whole days will be dedicated to traveling. So with 3 days in the park, that makes this a 5 day vacation. Knowing that I don’t want one of these days to be on Sunday, that gives us two options: Monday through Friday, or Tuesday through Saturday. I don’t have to make this decision yet, but I’m leaning towards Tuesday through Saturday mostly because I have heard that when it is not busy season, Fantasmic only shows on weekends. That would give us a chance to watch Fantasmic (which I haven’t seen yet) on Friday night.

Budgeting For the Trip

Now, the really important stuff – how much is this going to cost? I recommend getting out a spreadsheet and planning all our you expenses before any vacation, then saving up and paying with cash!

Let’s start with the Travel. Using a tool I wrote a few years ago. I can estimate the cost of fuel to make the trip. I enter the average cost of a gallon of gas, my average mile per gallon my vehicle gets, my starting location and my destination. Google’s map API will determine the distance and I get a one-way and round trip cost estimate. According to the fuel trip cost calculator, it will cost about $330 in fuel (we have a big SUV). I will round that up to $350 for a more even number. I always like to round up a bit.

Next is the hotel stay. The first time we stayed at the Disneyland Hotel. It was very nice, and it was fun walking through Downtown Disney, but the real excitement is the park, not the place you sleep. So a hotel is a hotel, or is it? The second time we booked a reservation at the Anaheim Plaza. The Anaheim Plaza is across the street from Disneyland and probably the cheapest place you will find so close to Disneyland. Unfortunately, we hated it. Our room was dirty, hot, muggy, & stinky. They had turned off the A/C for the winter season in our building. The tub was clogged so we took a shower standing in dirty water. We asked for a rollaway bed and they never brought it. It was just an all-around bad experience. But, my parents & younger sister stay there every time they go and they like it, so your mileage may very. It was so bad for us that I cancelled our remaining nights and walked down the street to find something better. We ended up re-packing and waking our luggage down the street to the Best Western Park Place Inn. It was so much nicer. It was cleaner. It was updated. It was closer to the main gate – just right across the street. We got a room with two qeen beds and a hide-away queen bed. So it can fit a family of six.

If we were to stay at the Anaheim Plaza we would need a family suite (basically two rooms connected with a door separating them. We can get that for $109 per night. For 4 nights that is a total of $436. If we were to stay at the Best Western Park Place Inn again, standard rate for the same room we had before would be $134 per night. I know that last time I got a discount using my Costco card. Plus, I noticed on the internet that if you book 21 days in advance, you can get the room for $107.20. That makes that decision way too easy. On top off that, it includes free WIFI (Anaheim Plaza is $10 per day) and free continental breakfast, which with a family of 5 eating would save us almost $50 per day if we chose to eat breakfast at the Anaheim Plaza. So, moral of the story, don’t take room prices at face value!

Now, for the important part – the Disneyland park hopper passes. They will cost $152 each for 3 of our children and $169 each for my wife and I. That’s a total of $794 – close to $800.

So, between travel, hotel, and passes we’re up to roughly $1600 (rounding up). Now we need to plan for food. Remember that we already have breakfast covered.

One of our neighbors told me that when they drive to Disneyland they pack a cooler full of sandwiches to eat on the way there and for lunches while there. We have done this before on trip to a Colorado Rockies game. It’s not a bad idea. If we plan on leaving Tuesday morning we can spend Monday night making sandwhiches for the upcoming week and packing them in our cooler. The hotel has a mini fridge and microwave so we can plan on using them as needed.

Still, eating out can be a fun part of the whole trip so I don’t want to eat sandwhiches for every meal. I figure we could spend $150 on grocery items for making sandwhiches and packing chips, crackers, & other goodies. Then I would plan $250 for eating out. That would give us $50 per day for eating out. That’s basically one meal at a restaraunt for a family of five. Then I would give us $150 for treats & refreshments inside the park. Again, that is $50 for each day we are in the park.

All of these we could definitely save money if we mostly eat from the groceries we buy before hand. But I’m guessing from past experiences we will want to eat out on occassion. I think this budget gives us quite a bit of wiggle room. So for food, I will plan for $550, which gives us a grand total of $2150.

Now, lastly, who can visit Disneyland without picking up some souvenirs? This is where we went way overboard last time. But, last time my mom gave each of the kids $50 to buy toys and souvenirs, so that really helped. I hope it didn’t set a precident. :) In any case, I figure that we could limit ourselves to spending $50 per person for the whole trip. That gives us $300 for souvinirs. If we more stuff, we will need to sacrifice on the food & treats, which is certainly doable. That gives us a total of $2450. We’ll just round that up again and say this trip should comfortably cost us $2500.

Now, I can start planning for the trip. If I went accornding to plan, it is roughly 7 months away. I would need to make sure I’m saving $357.15 per month in order to have all the cash I need to make this trip happen.

Of course, before I started booking my hotel and paying for my Disneyland Tickets, I would likely call a travel agent or check out Costco for their Disneyland package deals. Sometimes they might just have some deals that can save you money. Plus, they get their paycheck from commission, so it doesn’t cost you anything to use their services. Last time I did this, I found that booking through a travel agent would have cost us about $200 more. So we did everything ourselves. The first time we went, my in-laws used a travel agent. I must say that the package that the travel agent put together was a less stressful experience. Plus, it probably would have been a wash since we ended moving hotels.

One way to help stick to the daily budget would be to withdraw cash before the trip. I would then separate each persons souvenir money into envelopes and our eating out & treats money into daily envelopes. Once the money is gone, we stop spending. If we don’t spend it all one day, we have more the next.

This has been a fun exercise for me to plan and I hope you have enjoyed it and maybe even benefitted from it.

Archiving Envelopes

By , January 24, 2011 12:38 pm

I’ve added a new feature today: the ability to archive envelopes. Deleting an envelope will remove all associated transaction data. It is something you may not want to do. On the other hand, you don’t want to see the envelope in you list. In comes the need for archives.

Archiving an envelope is easy.

  1. Select the envelope.
  2. Click the Edit button
  3. Click the Archive checkbox, then click OK.

That’s it.

Don’t worry, your envelope can be restored just as easily.

  1. Click the Show Archived Envelopes button
  2. Click the Restore link next to the envelope you wish to restore.

The Dashboard

By , December 17, 2010 10:56 am

Dashboard View

You may have noticed a new view added to Inzolo — the Dashboard view. It was actually originally included when I first released Inzolo, but I took it off because it wasn’t complete. I’ve turned it back on mainly to get feedback on its usefulness.

As it stands now, it is simple a view of the current month. When you create envelopes, you can specify whether they are “paced”, “fixed”, or “sinking funds” (previously named rollover).

Paced Envelopes: Where spending fluctuates from month to month Examples: groceries, gasoline, fast food.

Fixed Envelopes: Envelopes where you can reliably set a given amount each month because you payment is the same from month to month. Examples: House payment, television bill, insurance bill

Sinking Funds: Money you set aside for upcoming expenses – whether expected or not. Examples: emergency fund, car repairs, Christmas gifts.

Features

  • Notice in the paced envelopes section there is a vertical line with the date at the top. This shows where we are at in the given month to see how you spending lines up.
  • You can click on a Fund Plan amount to change your funding goal. After changing it, your graph will be updated accordingly.

I would be curious to hear your thoughts and what features you feel would make this dashboard view more useful.

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