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Budget-Master.com

Budgeting planning and money management made easy, with date-shifting!™*

Frequently Asked Questions

Q1: Can I use your budget spreadsheet in another currency?
Q2: Can I use the budgeting spreadsheet in another language?
Q3: Is your online spreadsheet designed to meet the needs of women?

Q4: In what ways is your budgeting and financial planning spreadsheet program different from other spreadsheet programs?
Q5: In what ways do you think that your budget spreadsheet program is more useful than other budget spreadsheet programs?

Q6: Can anyone at budget-master.com or Budget-Master LLC, including software personnel, see what's on my budgeting spreadsheet?
Q7: In what ways is the information kept at Budget-Master.com safe from theft or use by others?

Q8: Can I use PayPal without having or needing a PayPal account?


Q1: Can I use your budget spreadsheet in another currency?
Ans: Yes. 'Numbers' are just numbers - they do not represent any currency. Therefore, you may use our spreadsheet to manage a budget in any currency you wish.

See additional comments on currency support under the sample online spreadsheet. [Top] (.)


Q2: Can I use the budgeting spreadsheet in another language?
Ans.: Yes - many are supported. You may actually test your language on the sample online spreadsheet page.

(Please tell us if your language is not supported, so we can look into the problem, by sending an email to customerservice at budget-master.com after properly inserting the @ symbol in the address.) [Top] (.)


Q3: Is your online spreadsheet designed to meet the needs of women?
Ans.: Yes. This development of the Budget-Master.com spreadsheet was directed by a woman in need of a simple way to do budgeting who received inputs from a wide selection of men and women. The actual program software and display was also created by both men and women.

We are here to help: We are very easy to work with and exist to make your budgeting needs as easy as is possible, so if you have any questions or concerns please feel free to send them to diane.richardson at budget-master.com (after properly inserting the @ symbol) for a quick and thoughtful response. [Top] (.)


Q4: In what ways is your budgeting and financial planning spreadsheet program different from other spreadsheet programs?
Ans.: Other spreadsheet programs, as we understand them, are comprehensive integrated software packages. Our online spreadsheet program is actually 2 parts: 1) server (server-side) databases and software, and 2) desktop (client-side) controls to manage the online 'spreadsheet'. [Top]


Q5: In what ways do you think that your budget spreadsheet program is more useful than other budget spreadsheet programs?
Ans.1) There is no program to purchase, install, and learn;
Ans.2) No budget spreadsheet development is required;
Ans.3) No skills are required;
Ans.4) Date-shifting allows the user to move to the next month w/o manually moving the data to new cells - this is the primary reason most people give up on using spreadsheets for money management*;
Ans.5) We offer special features, like Balance Carried Forward after date-shifting, and What-If (TM) for long-term financial planning;
Ans.6) When your computer fails your spreadsheet will still be here to use when you are ready;
Ans.7) When you replace your computer you will not need to install new software or upgrade to another spreadsheet program if our program meets your needs. [Top]

(*Read more about budgeting, spreadsheets, date-shifting, and money management at Wikipedia.)


Q6: Can anyone at budget-master.com or Budget-Master LLC, including software personnel, see what's on my budgeting spreadsheet?
Ans.: No! Each budgeting and planning spreadsheet is password protected, and only you have your password - the software has been designed so that the only viewer of your online spreadsheet can be you.

Explanation: The only way that your spreadsheet can be seen is my opening your account with your unique password and only you know your password. We do not store your password; we only store a chain of characters (a long chain of letters, numbers and symbols) that represent your password known as a hash, and when you sign-in using your password the hash created is matched against the hash stored to determine if there is a match, which can only happen when the correct password is entered. Therefore, we do not have a copy of your password, and we cannot see what's on your spreadsheet. [Top] (.)


Q7: In what ways is the information kept at Budget-Master.com safe from theft or use by others?
Ans.1: We do not collect or store information about customers, other than email address;
Ans.2: There are only two copies of the stored data, each in a secure location;
Ans.3: We use a coded customer ID system;
Ans.4: We use a firewall to restrict and prevent;
Ans.5: Access to the server is restricted to the IP addresses of just a few computers that also have restricted access, and no WiFi or portable access is allowed;
Ans.6: Anonymous users of the server or file transfers are not permitted;
Ans.7: At the minimum we use 128-bit encryption, and 128-bit encryption has never been broken;
Ans.8: Our web site does not provide an easy way to assemble information in a way that anyone, other than the password-protected account user (subscriber) of an individual spreadsheet, would find useful;
Ans.9: Under the direction of Scan Alert we have instituted a significant number of internal safeguards. Scan Alert regularly probes customer Web sites using the most sophisticated testing, analysis and reporting software available, and serves more than 75,000 clients.
Summary: Like banks and financial institutions, we use all the procedures necessary to provide a very secure environment. And there is virtually nothing to be gained by being hacked - if this is even possible - because no personal information is kept by us other than an email address - credit card numbers and related information are collected only by the credit card company's purchase-transaction processing agent. [Top]
(Read more about our site security on the Security page.)


Q8: Can I use PayPal without having or needing a PayPal account?
Ans.: Yes. No PayPal account is needed if you do not have one. If you do have one you may use it, and you may open a PayPal account if you wish to, but you do not need a PayPal account to purchase a service from us. [Top]



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