UsableCash (formerly known as MyBudget123) is a financial tool that helps you to know your available usable cash
on a day-to-day basis, pay bills on time, test out new bills to forecast future expenses,
build reserve funds for inevitable rainy-day expenses
AND SO MUCH MORE!
Whether you're 18 or 98, have 1 or 101 expenses
UsableCash can help you to find all the money you need!
Since UsableCash.com calculates the Average Minimum income, needed per pay period, to cover all the entered expenses (over a 5-year rolling period) the definition of ‘Income’ is not your actual income amount. In Step #2 of the income details, all that’s needed is your main income source and how often you are paid, or plan on depositing or transfering into your “Bill Account”. In Step #3 enter an income amount that is between the Average Minimum amount and the least expected total income. It is important to not over-project your income. Ending up with more than projected, simply results in more Usable Cash.
The Average Minimum amount is the base guideline needed to cover the entered expenses and Reserve Funds. This will be your lightbulb moment which can help you decide whether or not you can afford all the entered expenses. Then it’s up to you if any changes, adjustments, deletions, etc. need to be made.
If self-employed, or paid intermittently, enter the ‘Income - Starting on Date’, as the date you plan on depositing or transferring the entered income amount into your Bill Account.
UsableCash.com is just the tool you need to help project how much is needed per deposit, or transfer, every payday; self-employed, or not.
Everyone is given a 60-day FREE trial period, upon registration. At the end of 60 days the introductory subscription cost is $5.00 USD per month. (SAVE 25% by opting for the annual subscription fee of $45 USD) The fees are for technical support & allows us to host the site AD FREE. Upon your first visit after the 60-day trial, you will be asked to enter a payment option, if you wish to continue to maintain access to your budget and all the awesome features UsableCash.com has to offer. There is no obligation and you may cancel at any time. We are confident that you will see the value in using this site, and won’t want to live without it!
UsableCash.com does not require a payment method during the trial period (first 60 days of use), has no contracts or obligations, therefore:
You can cancel your UsableCash.com membership at any time. You will continue to
have access to the UsableCash.com service up to the date listed on your "My
Account" page under "Premium Expiration". To cancel, log in to your UsableCash.com
account. If you have forgotten your password, click "Forgot Password". After logging
in, go to the "My Account" page, click "Delete Account", at the bottom of the page,
and follow the instructions for cancellation.
Once you delete your account, you will receive a "Cancellation Confirmation" email, and your account will automatically close on the date under "Premium Expiration" found on your "My Account" page, which is one month from the last payment received.
If you accidentally cancelled your membership, click the link in the email: "If this was done in error, you may re-subscribe by visiting this link: www.UsableCash.com/subscribe", or by logging into your UsableCash.com account, click on "My Account" page, then click the link to re-subscribe. Unless you delete your account, automatic monthly payments will continue to draft from the payment method you set up, after the trial period, found under "Payment Method", on the "My Account" page.
No Refunds. Payments are nonrefundable and there are no refunds or credits for partially used periods. Following any cancellation, however, you will continue to have access to the service through the end of your current billing period. At any time, and for any reason, we may provide a refund, discount, or other consideration to some or all of our members ("credits"). The amount and form of such credits, and the decision to provide them, are at our sole and absolute discretion. The provision of credits in one instance does not entitle you to credits in the future for similar instances, nor does it obligate us to provide credits in the future, under any circumstance.
Referring friends earns you ONE FREE MONTH each, when your friend purchases at least one month of subscription to UsableCash.com. Once your friends first payment is received, your next months subscription fee is on us. NO LIMIT - REFER 12 friends = 1 year of FREE service! If you’ve opted for the annual subscription, then for each paid friend you refer, your annual renewal is pushed off by one month.
is user friendly and totally flexible. We do all the calculating for you, taking the guessing game out of your finances. Once you visualize the potential of your future financial life, it will be your lightbulb moment, your future will be clear, which puts YOU in control.