Welcome

Tne New Dawn Personal Financial Organizer is a completly free software tool that lets you control your personal finances rather than have your finances control you. It provides simple and intuitive user-friendly interfaces that simplify the everyday tasks you need to perform if you want to budget and manage your finances in a controlled and effective way.

The Personal Financial Organizer can save you substantial amounts of money in reduced interest charges, unforseen or unplanned debt, late payment penalties, mortgage foreclosures and unauthorized overdraft charges. It helps you maintain a good credit rating and avoid the stress of mounting and unmanaged debt. With New Dawn you can:

  • Analyze your past income and expenditure. You can see just when and how your income is being earnt and spent. This lets you identify categories of expenditure that may be excessive, unecessary and over budget. You can plan ahead to reduce or elliminate uneccesary expenditure and debt and ensure that your income and expenditure are better balanced. 
  • Predict how your personal finances are going to look a few months into the future by budgeting for future expenditure and income. A budget lets you identify future hotspots that if left unmanaged could result in unforseen debt levels, expensive financial penalties, reduced credit ratings, mortgage repayment problems or even asset repossession. The PFO gives you time to adjust your expenditure to avoid these hotspots.
  • The Personal Financial Organizer lets you identify your future credit requirements so that if you do need to approach financial institutions for credit, you can present a well thought out financial plan. Financial institutions are more likely to accommodate your credit needs and charge you substantially less when you seek credit on the basis of a well prepared budget rather than waiting for your personal finances and debt levels to get out of control.

You can link your Personal Financial Organizer to multiple cash accounts, such as a bank current account, credit card account, mortgage account, savings account and investment income account and then debit or credit these accounts with transactions such as utility bills, food and provisions, mortgage repayments and income from employment and investments. You can create a budget and analyze historical income and expenditures for each account.

All information provided by the Personal Financial Organizer can be viewed on-line or printed as reports created as Microsoft Excel documents.