Money On Thread, Personal Finance Made Easy

Martin Brinkmann
Sep 13, 2010
Software, Windows, Windows software

Probably the most important personal finance rule is to spend less than you earn. To ensure that it is essential to have an overview of the household expenses at all time. People have various options on how to do that, either by keeping track of the expenses and income manually, or with a personal finance software like Money on Thread.

The advantages of a software become apparent immediately. Unless it is broken, it will always make the right calculations, with no margin for error. Software is also better suited to provide a quick overview and graphs, that would take additional work manually.

Money on Thread is a basic personal finance app. It basically sorts the income and expenses in a thread in the main interface, with the newest items at the bottom. Sort of a timeline if you like. The left side lists the income, the right the expenses and the middle bar the money that is currently available.

money on thread
money on thread

Activities are added via the header bar or the menubar. An activity at the bare minimum consists of an operation (add or subtract) and a sum. Optional fields are the description field, which makes identification easier, a category and the option to define multiple instances of the income or expense.

personal  finance activity
personal finance activity

The program comes with a set of preconfigured categories, like salary income, personal expenses or health and education. Custom categories can be defined in the program options as well.

The available money is always visible on program start in the main interface. Money on Thread makes use of graphs, lists and reports that can be opened from the footer bar of the application.

The transaction list for example lists all activities in an Excel like table, with an option to filter by text.

Information provided by the personal finance software can be exported into various formats, including csv, qif and jfx.

Money on Thread is a basic personal finance software. This does not have to be a "bad" thing, as many professional grade finance applications tend to over-complicate matters.

This one here is easy to use, and provides enough information for most uses. The only downside is that it is a bit cumbersome to use. There are no keyboard shortcuts available for instance, or direct options to add a new activity in the main interface.

Money on Thread requires Java to be installed on the computer system. The program is available for download at the developer website.


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  1. jeryy smith said on September 14, 2010 at 10:02 am

    hi nice to read your all post about personal finance and it really help me to understand that but what about next tax filing preparation…..tell me anything if you know about that…

  2. Paul(us) said on September 13, 2010 at 12:45 pm

    Great find Martin, This looks like to be a ferry user-friendly program. Main question to you (or your readers) is which program do you advice for the beginning and or a bit more experienced user, this program or the also free of charge program from Microsoft® – named: Money Plus Sunset Home and Business and or
    Microsoft® – Money Plus Sunset Deluxe?

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