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The abridgement has headed south, and anybody could use some advice with their finances. Don’t despair, though, because we’ve calm 12 of the best downloads for weathering the downturn.

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Whether you appetite to put your domiciliary anniversary in order, extend the activity of your PC by befitting it in aristocratic shape, or save hundreds of dollars on a new abundance apartment or operating system, we accept what you need. And with a distinct exception, all of these downloads are free.

Accounts & Budgets Chargeless

One of the best agency to accomplish abiding you don’t get into debt is to clue your money, every day, properly. If you’re attractive for a simple, no-cost affairs to adviser your money, accord Accounts & Budgets Chargeless a try.

It’s no personal-finance heavyweight, but for befitting tabs on funds entering and abrogation a distinct account, not to acknowledgment creating reports, it’s a solid bet.

Ascribe every transaction in your account, and you’ll be able to clue your money by class (food, car expenses, insurance, and so on). You can additionally accomplish beheld reports, plan budgets, actualize reminders, and more.

The chargeless software will administer alone one account, but a for-pay adaptation is attainable for administration more. This affairs is from a French developer, and the English adaptation isn’t consistently ideal, but the appliance is attainable to amount out admitting the occasionally awkward phrasing.

Download Accounts & Anniversary Free| Price: Free

Debt Reduction Calculator

Accept you gotten in over your head, be it with credit-card debt, a car loan, a mortgage, or the like? Pulling yourself out of such a aperture can be tough; anniversary ages the botheration worsens, as you pay off alone the absorption and not the principal. Generally it feels like no end is in sight.

With some acute banking planning, however, you can abolish your debt. If you can’t allow to appoint a banking planner–and if you’re in debt, you best acceptable don’t accept the attainable banknote to do that–this chargeless Excel spreadsheet is a abundant alternative.

The spreadsheet and accompanying affidavit accommodate a array of strategies and what-if scenarios to advice you annihilate your debt, such as the “snowball” action (in which you pay the everyman antithesis first).

Ascribe your affairs for advantageous off anniversary of your debts, and again you can see the results, including the account payments, the absolute absorption you’ll pay, and so on. Chase the strategy, adviser its advance with the spreadsheet, and change strategies if you charge to.

Download Debt Reduction Calculator

| Price: Free

Family Anniversary Planner for Excel

In Charles Dickens’s atypical David Copperfield, a appearance speaks conceivably the greatest accuracy anytime accurate about claimed finances: “Annual assets twenty pounds, anniversary amount nineteen six, aftereffect happiness. Anniversary assets twenty pounds, anniversary amount twenty batter care and six, aftereffect misery.”

If you appetite to accomplish abiding that you end up on the beatitude ancillary of the equation, you charge to administer your budget. Getting a handle on your anniversary affairs can be difficult, but this excellent, chargeless Excel spreadsheet helps.

It lists every class of assets and amount that you can imagine. All you charge to do is ample in your estimates for the advancing year, and you’ll see whether the acceptable aftereffect is beatitude or misery. If the acknowledgment is misery, acclimatize your estimates until the numbers add up right–and then, of course, chase through on that budget.

This spreadsheet has one shortcoming that you should accumulate in mind: It has no breadth for your taxes. So aback you ample in your income, ascribe alone your net assets (including your absorption assets and dividends), not your gross income.

Download Family Anniversary Planner for Excel| Price: Free

Resume Builder

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Accept you absent your job, or are you afraid that you will at some point? If so, you charge to accept a acceptable résumé at the ready. If you’re like best people, however, creating a résumé ability not be your able suit.

With this affairs ($25 afterwards a 10-day balloon period) you can accumulate a well-written, attractive resume in an array of formats, so that you can administer it via cardboard or e-mail, column it on the Web, or use it in any added way you see fit.

The affairs uses wizards to body your résumé for you. For example, you alpha by allotment what blazon of résumé you appetite to create–one based on chronology, one geared against the affectionate of job you’re seeking, or one tailored for a specific job.

From there, you accept your job akin (from apprentice through executive), and acknowledgment a alternation of questions. Afterwards that, you access an controlling summary, your job history, your awards and recognitions, and so on.

You again see a examination of your résumé. At that point you can accomplish any changes, as able-bodied as adapt the layout’s fonts, colors, date format, attack styles, and more. Aback you’re done, you can achievement your résumé in assorted formats, including Chat .doc architecture and HTML.

The affairs does added than aloof actualize your résumé: It additionally includes a acquaintance organizer to accumulate clue of the bodies you’re in blow with during your job search, and it includes sample awning belletrist as well.

Download Resume Builder| Price: $25 (10-day chargeless trial)

SimpleD Anniversary

This chargeless allotment affairs is ideal for bodies who like to see their account anniversary at a glance. Afterwards you access your assets and expenses, you can see it all on a distinct screen, portrayed graphically.

The account additionally shows you what allotment of your anniversary anniversary amount takes up, so if you charge to cut costs, you can bound see area to begin. For tracking your account costs and chargeless area to abate them, SimpleD is as attainable as it gets.

Download SimpleD Budget| Price: Free

In angular times, the aftermost affair you appetite to do is buy a new PC aback you don’t charge one. If your accepted apparatus is apathetic or experiencing a problem, don’t accept that you accept to buy a replacement. Instead, grab some software that can whip your absolute arrangement aback into appearance and accumulate it that way.

You can acquisition affluence of for-pay software that will do the trick, but if you appetite to save as abundant money as possible, you care to accept chargeless tools. Analysis out the afterward four downloads; one way or another, all will advice extend your PC’s life.

Advanced SystemCare Chargeless

If you’re attractive for aloof one chargeless that does as abundant as attainable to accomplish abiding your PC runs as calmly as possible, this is the apparatus to get.

It scans your arrangement for spyware, Registry problems, aloofness dangers, and clutter files, and again cleans them up for you. You can accept the affairs accomplish the fixes automatically, or you can acquaint it which items to fix and which to leave.

By itself, Advanced SystemCare Chargeless isn’t abundant to bare every botheration your PC ability have. In charwoman the Registry and across-the-board your arrangement apple-pie of spyware, however, this apparatus is a abundant aboriginal step. And you absolutely can’t exhausted the price.

Note that the software will install the Yahoo Toolbar by default; if you don’t appetite that component, accomplish abiding to uncheck the box during installation.

Download Advanced SystemCare Free| Price: Free

CCleaner

If your PC is apathetic or your adamantine drive is clogged, nab this superb chargeless cleaner, which excels at eliminating years of detritus. It cleans your Registry by killing bare and bad entries, and it rids your arrangement of accidental items, such as accumulation files.

In addition, it shows you what programs run automatically on startup and allows you to attenuate those you don’t need.

It additionally sweeps abroad the clutter that applications leave behind, charwoman bits from Web browsers (including Chrome), Windows Media Player, Windows Defender, and Microsoft Office, amid abounding others. Within a few abnormal the affairs can chargeless up hundreds of megabytes of hard-disk amplitude and get your PC active added smoothly.

One caveat: CCleaner adds a Yahoo toolbar by default. If you don’t appetite the toolbar, uncheck the box abutting to it in the accession window.

Download CCleaner| Price: Free

PC Decrapifier

Frequently PCs become so blimp with trialware, annoying chargeless software, and “craplets” that they become lethargic, decumbent to crashes, or absolute unusable.

Sometimes the software ships with the PC; added times you’ll download software and balloon that you accept it.

The best way to extend the activity of a aggrandized apparatus is to rid it of all the abortive stuff. That’s absolutely what PC Decrapifier does.

It removes dozens of the best accepted pieces of software that clutter up computers, such as Dell URL Assistant, Wild Tangent Games, and chargeless trials. The end result? A faster PC–one that you won’t accept to carelessness in favor of a new machine.

Note: Aback you use this program, you ability appetite to accept it actualize a restore point first, aloof in case it removes article that you capital to keep.

Download PC Decrapifier| Price: Free

Secunia PSI

A PC is alone as acceptable as the software that runs on it. And oftentimes aback addition has problems with their system, the affair is the software, not the hardware. It would be a abashment to bandy abroad money on a new PC aback the computer isn’t the absolute culprit.

This great, chargeless account will advice accomplish abiding that the software you run is abreast and secure. It scans your system, finds all the software on the PC, and again belletrist to you aback it discovers programs that should be patched or updated.

Bigger yet, the apparatus again downloads the application or amend and installs the book for you aback you bang on it, or links you to a area area you can download the application or amend yourself.

Run Secunia PSI consistently (or accept it active all the time in the background), and it will consistently analysis for new patches and updates. That way, you can be assured that all your software is in top condition.

Download Secunia PSI| Price: Free

Attractive to buy a new archetype of Microsoft Office? Be able to pay about $300 at a minimum; the amount increases depending on the mix of applications you want.

Even advance from your old adaptation of Appointment to a newer adaptation will set you aback about $220, possibly decidedly more. The aforementioned holds accurate for a new operating system–you can apprehend to pay through the nose.

In this economy, that’s a lot to spend, abnormally if you accept alternatives that don’t amount a red cent. Analysis out the afterward three freebies, and you’ll be afraid at how able they are.

IBM Lotus Symphony

Once aloft a time, in the deep, aphotic belly of computer history, Lotus Symphony battled Microsoft Appointment in an attack to become the ascendant office-productivity suite.

That was then, this is now. Today, of course, Microsoft Appointment is ubiquitous, while Lotus Symphony is abundantly forgotten. That’s too bad, because IBM Lotus Symphony, as it’s now called, is absolutely a able appointment suite–and amazingly enough, IBM allows anyone to download and use it for free. So if you’re attractive for an excellent, chargeless appointment suite, it’s a abundant bet.

You’ll apparently be absolutely afraid at what you acquisition aback you install it: a slick, adult apartment with all the accretion and whistles, including a actual affected interface.

Abstracts attainable in their own tabs, so you can accept chat processing documents, presentations, and spreadsheets all attainable in the aforementioned affairs at the aforementioned time in the aforementioned interface.

The apartment creates and opens abstracts in the Attainable Document Architecture standard, as able-bodied as in Microsoft Appointment book formats, although not the newest Appointment formats. (Most people, however, don’t use those new formats, so it acceptable won’t be a botheration for you.)

Download IBM Lotus Symphony| Price: Free

OpenOffice.Org

This chargeless office-productivity apartment is one of the best software deals of all time. It includes a absolutely featured chat processor, a spreadsheet, a presentation program, a cartoon program, a cartoon program, and a database.

You may anticipate that because OpenOffice.org is free, it’s bloodless or difficult to use. Nothing could be added from the truth. It does aloof about aggregate Microsoft Appointment does, including aperture and extenuative files in Appointment book formats, as able-bodied as abounding others.

It does accept a few accessory drawbacks. The interface isn’t as glossy as that of the latest Office–for example, it doesn’t accept annihilation like the new Ribbon. (Of course, some bodies abhorrence the Ribbon, and will be blessed to apprehend that OpenOffice lacks a counterpart.) And you won’t be able to coact application Chat markup.

Apart from those issues, though, this apartment has everything–except a amount tag.

Download OpenOffice| Price: Free

Wubi

Tired of application the aforementioned old operating system? Join the club. If you’re like abounding people, afterwards several years of application an OS, you’d like to get a new one.

Added generally than not, though, that agency not aloof spending several hundred dollars on a new operating arrangement but additionally affairs new accouterments to run it, or possibly advance in an absolutely new PC.

Here’s a bigger solution: Use the chargeless Wubi to install a dual-boot adaptation of Ubuntu Linux on your PC. That way you can cossack either into your absolute adaptation of Windows or into the chargeless Ubuntu Linux.

You won’t accept to bother with hacking about in partitions, bootloaders, appropriate drivers, or any added affectionate of messiness. It installs aloof like any allotment of Windows software.

Aback your PC starts up, artlessly accept to cossack into Windows or Linux. Aback you feel the charge for a change, cossack into Linux, and comedy with all of its new software toys–they’re all chargeless too, of course. This is the best way to get a new operating arrangement after advantageous a penny for accouterments or software.

Download Wubi| Price: Free

Source: PC World

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