Received one May 19.
Volume 3, No. 1 : May 2007



Welcome to the latest edition of MoneyWise for Microsoft Money 2007.

This issue will explore the new Savings and Spending Budget feature, which
helps you plan for the future while managing today's expenses, reducing debt
and growing savings.


Introducing the NEW Savings & Spending Budget!

The Savings and Spending Budget is an easy way to prepare for retirement,
help increase your savings, and reduce your debt - all while handling your
monthly expenses.

The Savings and Spending Budget, developed by the editors at MSN Money,
helps you limit your monthly spending so that your savings grows quickly.
The key is to hold your committed expenses to 60% of your gross income. You
can track your savings, track debt reduction, and limit your spending in
whatever level of detail that you want.

What can the Savings and Spending Budget do for you?

With this strategy, you focus on five high-level budget groups:

Committed expenses. These expenses, about 60% of your budget, include the
regular, necessary expenses that we all incur, such as mortgage or rent
payments, food and clothing, bills, and taxes. In this budget, they also
include any items that you have "committed" to every month, such as music
lessons for your children.

Irregular expenses. The real budget-busters aren't the occasional movie or
dinner out. Rather, the culprits are unplanned car repairs that you have to
put on your credit card, or holiday spending that you didn't plan. About 10%
of your gross income in a savings account should cover these items for most
people, but you can customize that number.

Savings and debt. Getting rid of credit card debt is key to financial
health. Money recommends that you dedicate 10% of your gross income to this
important goal, but you can do less or more. If you have no credit card
debt, allocate 10% of your income to staying out of debt by saving for big
budget-busters like a new car or roof.

Retirement. A good goal is to set aside 10% of your total (gross) income for
retirement (even if you're paying off debt). But you can start with an
amount that feels most comfortable to you and adjust it later on.

Fun money. This is essential to a successful budget. If you don't plan for
fun, you run the risk of busting your budget or quitting altogether. Money
recommends that you use 10% of your total income for fun, but you can choose
the percentage that's right for you.

Learn more <http://go.microsoft.com/?linkid=6803332> .


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Ideas and Advice on MSN Money
Looking for some help with your financial questions? MSN Money has a great
team of experts to answer questions, offer tips, and give pointers on all
aspects of money management. Check out the "Ask the Experts" message boards
for community discussion on a range of money topics.

Or browse the great articles posted weekly by MSN's money experts.



· Experts message boards <http://go.microsoft.com/?linkid=6803333
· Learn to budget: A simpler way to save: the 60% solution
<http://go.microsoft.com/?linkid=6803334

--------------------------------------
Upgrade to Money 2007 Today and Save!
$79.99 Suggested Price
- $10.00 Instant Savings
- $30.00 Mail-in Rebate *
-------------------------------
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Microsoft Money 2007 Premium has arrived and it's ready to make your life a
whole lot easier. With powerful new features like the Savings & Spending
Budget, Essentials Investment Accounts, Smart Sending message boards plus a
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Upgrade now <http://go.microsoft.com/?linkid=6803335> .

*Click here for rebate offer details
<http://go.microsoft.com/?linkid=6803336> .


--------------------------------------
Great services.
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Business, you can take advantage of these valuable financial services
-- at no extra cost!

Money 2007 Premium - $312 Value, Included FREE!** This complementary value
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**Click here for special offer details
<http://go.microsoft.com/?linkid=6803337> .


"theorbo" <reply[at]to-group.nfo> wrote in message
news:7FC9C064-3FFC-4927-991A-58ECD59374F2[at]microsoft.com...
- quote -

The marketing emails from Money are the most random and curious things. I
haven't received one in many, many, months and then you get one. It's kinda
sad that they even 'catalog' them with Volume and No. I wonder if they are
trying to offload the 2007?