Who uses HandWallet?

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High School students

HandWallet is used by many high school students who manage their own "pocket money" or have spare-time jobs. Those students who have downloaded and used the program are delighted with the clear and easy-to-use interface and the options for the introduction of personal categories.

University students

The HandWallet software is most popular amongst the students, who have to manage "tight" budgets and need to maintain a strict regime over their incomes and expenses. Thousands of students throughout the world have already downloaded the Hand Wallet and regularly feed it with data. We receive many letters and referrals every month from students who request special modifications and additions for the student life-style, joint lodgings, allotment of payments for University fees, scholarships, discounts etc.

Families

The need to save and to wisely manage the financial aspects of a family is more important today than it ever was. It becomes clear that financial planning of the average family is complex and is not substantially different from the management of a business: a family has permanent and occasional expenses for various matters and permanent and occasional incomes from a number of sources. Matters get even more complicated since most families hold a number of bank accounts and several credit cards, and the incomes and expenses are performed by all members of the family. Thousands of families have already chosen the Hand Wallet as an essential program for the financial management of the family. After only a short period of use, many people have already reported that they have improved their financial performance, have better control of their bank accounts, discover mistakes in their debits, and are no longer badly surprised on the debit day of their credit cards. They are now able to avoid or reduce overdrafts and have better ability to focus on the items that are budget "consuming".

Travelers and those staying overseas

HandWallet Pro is an irreplaceable tool for travelers and those who stay overseas. Using the HandWallet it is possible to know what is the total sum of expenses for lodgings, food or entrance to sites at any given moment, even if traveling from state to state. You can view all your expenses in Dollars, without having to bother yourself with conversion rates and without having to remember what the rate was for each period of the journey. If a number of participants go on a journey together, all the accounting between the participants can be calculated with the help of the HandWallet Pro.

Self-employed workers and owners of small businesses

For the self-employed and owners of small businesses HandWallet is useful for various purposes, from supervision of certain specific activities of the business up to the full management of expenses and incomes. Using HandWallet it is possible to know at each and every stage at what price merchandise was purchased or sold in the past and to whom. It is possible to compare prices that are given in different currencies and to choose the preferable option when there are different options open for the purchase of merchandise. the expected cash flow can be known in advance and according to this information delayed payments can be planned. HandWallet teaches you what your main incomes are during a certain period and what your main expenses are. HandWallet shows when it is worthwhile to transfer money between bank accounts and when it is profitable to take a loan and how to schedule it. It is possible to play with various parameters of each and every event such as the level of interest, the number of payments, the percentage of linkage etc. and thus to find the preferable payment option. Most importantly - the business data that you have chosen to feed into the system are with you everywhere on your palm computer - at your business itself, at home, in negotiations with an importer and when you are abroad and examining new products.

Large Companies

HandWallet Business provides the complete solution for a company representative who is on a business journey abroad. The HandWallet program greatly facilitates filling out the journey report for tax purposes: the traveler fills out all the expenses in real-time with the correct division into categories and according to predefined rules. He can know at any stage how much he has spent and on what, and can update the computer or the company accountant during the course of his journey. HandWallet Business allows you to enjoy all the advantages of its younger brothers, and in addition to insert the receipt or authorization numbers, the invoice and the tax percentage (if relevant) for each event. A Company representative equipped with a HandWallet can, while still abroad, insert expenses in a foreign currency and to see the increases in Dollars or Euros! Moreover, he can see the expenses and incomes that were performed in Dollars or Euros in the local currency and thus to easily compare prices.