“I have used Money Manager since 1986 running it on an Amstrad from a yellow box! Thus I have full records of family expenditure ever since. Being able to assess future expenditure has enabled me to budget day to day and take the more important decisions. Can I afford to retire? By knowing the breakdown of expenditure, I could accurately re-assess rent versus mortgage, reduced car travel, children’s costs; the decision was not a wet finger in the wind. I could not run the sole-trader business I then started 10 years ago without paying accountant fees. All the facts come from Money Manager and greatly eases filling in the tax return. I am not VAT registered but if I am in future then I will have all that is necessary to make the move seamlessly.”