Saturday, May 11, 2013

Personal Finance Manager (Excel template)

One of the common and ideal applications of Excel is in management of personal finances. I created one for my personal use a couple of years ago and I have found it very helpful and have been using it regularly. I thought I will take that concept, put a friendlier user interface, make things automated and share it here. 


DOWNLOAD

Please download the version that fits your needs. 



Personal Finance Manager Excel Template - Monthly Summary
This is a simple template that focuses on making it easy for you to know what's happening with your financial situation especially when you have multiple bank accounts, credit card accounts and cash. It also helps you set budgets and see how you are actually doing against your budget. With simple data entry, the template provides you instant access to actionable information in a consumable form that can answer key questions regarding your personal financial situation. Specifically, the template helps you in knowing the following:
  • What's my net balance right now? 
  • How much money is in my different bank accounts? 
  • How much do I owe on credit cards?
  • On what items am I spending my money on?
  • Am I exceeding my monthly budget? If so, in which categories?
  • How are my expenses trending over time?
  • Am I spending more on any specific expense category over time?
  • How much am I saving every month? How does that add to my net balance?
Please view the video for a demo of the template.
The template has 3 worksheets: 1) Settings 2) Transactions and 3) Report.

Before we get into how to use the template, we need to talk about the 3 types of transactions. In this template, a financial transaction is one of three things. 

  1. Income: It's an income transaction when the money is coming to you. Examples: a) your salary, b) you may be owning a property and your tenant pays you rent. c) you may get interest on your savings balance from your bank. 
  2. Expense: These are transactions where you are spending money. Examples: Phone bills and grocery bills. 
  3. Transfer: These are transactions where money moves from one of your accounts to another of your accounts. Your credit card payment is an example. You may take the money from your bank account and pay your credit card balance. In such cases, the money is leaving your bank account and goes into your credit card account. Another example of Transfer is ATM withdrawal where you are transferring the bank balance to cash in your hand. It's neither an income nor an expense transaction. It's a transfer. 
HOW TO USE THE TEMPLATE:

Step 1: Enter information in Settings worksheet
Personal Finance Manager Excel Template - Settings
  • Set your starting balances of accounts
  • Create categories & Sub categories (trust me, this helps)
  • Set your monthly budgets
Step 2: Entering transactions in the Transactions worksheet:
  • When you open the template, there will be only one record in the Transactions worksheet (as shown in the image below). Start entering your own transactions by replacing this record with your data. 

Personal Finance Manager Excel Template - Enter new transactions
  • And when you finish entering your first transaction, enter your second. There are at least a couple of ways to do that. a) You could hit Tab key from the Comments field in the first record. b) You could also type information in the row below the first record and hit Enter key. Please see the video below about drop down menus, where this is demonstrated.
  • Types of Transactions:
    • Income and Expense: By default, all the Income and Expense transactions should be entered as positive amounts.  
      • Special case (Refund): If you purchased an item at a store, you would enter an Expense transaction with positive amount. If, a few days later, you returned the item to the store for some reason and get a refund, then you should enter the refund as a new Expense transaction with negative value.
    • Transfer: When money is transferred from one account to another, create two records 
      1. 'Transfer' type with negative amount from the account you are taking the money from. 
      2. 'Transfer' type with positive amount for the account you are depositing the money into. Examples of Transfers are Credit Card Payment (transfer from Bank account to Credit Card account) and ATM withdrawal (transfer from Bank account to Cash)
  • Drop down menus are available for easy data entry (see #2 in the image below). Also, the video embedded below explains how the drop down menus work in this template.
  • Drop Down menus for easy data entry


  • After you enter your transactions, the Transactions worksheet would look like this image below. 
Personal Finance Manager Excel Template - Sample Transactions
Step 3: View ‘Report’ worksheet
  • Since there are pivot tables and charts, please refresh the data by going to Data ribbon and refresh all. This updates the charts with your new transactions. 
Personal Finance Manager Excel Template - Refresh Data
  • The report has four pages. 
    • 1) Current financial summary
    Personal Finance Manager Excel Template - Current Financial Summary
      • Summary of your current financial status
        • Current balance in each of your accounts
      • You can find balances for any period in each of your accounts
        • This can be helpful when your bank statements and credit card statements actually have their billing cycles different from calendar months. This allows you to compare your statements with the data you have in this template and confirm that you have not missed any transactions. 
    • 2) Monthly summary (Please choose one month at a time)
    Personal Finance Manager Excel Template - Monthly Summary
      • Total Income, expense and savings
      • Expense categories where money was spent that month
      • Comparison of expenses to budget 
        • Categories that exceeded budget will be highlighted in red
      • Expenses by sub categories
    • 3) Trends of expenses, savings and net balance
    Personal Finance Manager Excel Template - Budget Trends
      • Trend of expenses over time and comparing against monthly budget
      • Trend of savings and net balance over time
    • 4) Trends of transactions by Categories and Sub Categories 
    Personal Finance Manager Excel Template - Transaction Details

I hope you find this template useful in managing your personal finances easily. In the next version, I plan to include support for other financial instruments such as fixed deposits and other features such as setting financial goals. Your feedback will be very helpful for me to know which features are worth adding. Do you find this useful?


99 comments:

  1. Hi! How can I see years and months in the report? mine is not showing..look at this, please reply asap. Thanks!

    http://farm8.staticflickr.com/7315/8985309328_d87d8cfb25_b.jpg

    ReplyDelete
    Replies
    1. Hello Paul Gernale,
      Thanks for pointing out this bug. I will look for a better solution to this.
      For now, please try using the Sample data file and delete all transactions but any one record. That leaves the Year and Month filters/slicers in place. Then, you can overwrite that one record with your own transaction data and continue entering more records as usual. Please reply if this resolves this problem.

      Delete
    2. Hello Paul Gernale,
      I have updated the template and this blog post. Please read the section "Step 2: Entering transactions in the Transactions worksheet" above. Now, when you download the template, start entering your transactions by replacing dummy data in the first row with your own data. That should allow all the filters and slicers in the 'Report' worksheet function without any issue. Please take a look and let me know if you still have any problems with the template.

      I appreciate your feedback. Thank you.

      Delete
    3. Hi ind zara! It's working great now! Thanks for responding to our problem very quick. Thanks for sharing this template worksheet, simple, awesome and very helpful. Great job! Wish you all the best!

      Delete
  2. i m not getting drop down menu while entering data in transactions, please help

    Yogesh Agrawal
    yogesh@asharam.co.in

    ReplyDelete
    Replies
    1. Hello Yogesh Agrawal,
      Please see my video http://www.youtube.com/watch?v=9CkqYUbHDLY about the drop down menus. Please let me know if you still have any problems with the drop down menus.

      Thanks for using the template.

      Delete
  3. Im getting the same problem as Paul Gernale. Cant find the updated one

    ReplyDelete
    Replies
    1. Please clarify which template has the problem. I have tested the ones in this blog post and they work fine for me. Please post a screenshot or explain the problem you are facing. I will do my best to address it.
      Thank you.

      Delete
  4. this is the problem I'm having. The report with the graphs aren't working. Just like Paul Gernale. it means allot to me that your helping people with this blog. its awesome! Thank you very much.


    http://farm8.staticflickr.com/7315/8985309328_d87d8cfb25_b.jpg

    ReplyDelete
    Replies
    1. The new versions of the template in this post do not have this problem. Can you please re-download the templates and try again? Paul Gernale has confirmed that there are no problems now. I look forward to hearing from you.

      Delete
  5. My name is Carlos,
    Can you link the one that is working on a comment. for some reason its not working for me. Could it be that I'm using excel 2010. I'm just running out of reasons. I have downloaded all three version and had no luck when i look at my report..Could there be something I'm doing incorrectly or not doing when I'm entering expenses. I am the person having the same problem as Paul Gernale was having. Sorry for taking so much of your time. Thank You.

    ReplyDelete
    Replies
    1. Hello Carlos,

      I tested http://indzara.com/uploads/indzara_Personal_Finance_Manager.xlsx in Excel 2010 today. I am noticing that the 'Monthly summary' page in the report works fine. However, the 3rd page 'Trends of expenses, savings and net balance' in the report does not work as designed. The table slicers I used for this page works only with Excel 2013. I need to change the design to make it work with Excel 2010. I will post an update as soon as I can, since I would like this template to be useful to as many as possible. Thanks for bringing this to my attention.

      And a general tip: Before you hit Data-Refresh, make sure that there is data in the table in the transactions worksheet. If there is no data, the slicer for Year disappears (as Paul Gernale pointed out).

      Delete
  6. Thank you Indzara.

    That was very helpful. I was looking for the refresh date button but couldn't find it. I was looking in the actual spread sheet. My wife came over and refreshed the page in the date then refresh all. lol She saved the day thanks to your reply.

    Thanks again, looking forward to your up date for 2010 excel. Have a great day.

    Carlos.

    ReplyDelete
    Replies
    1. Hello Carlos,
      I have created a version that works in Excel 2010 for me. I had to modify page 3 ('Trends of expenses, savings and net balance')in the report by removing the slicers and having the charts update dynamically by another method. There is a slight loss in functionality (you can't filter for specific years/months in page 3), but it is not a huge deal. None of the other pages or charts have been changed.

      Please provide your feedback whether everything works as expected for you in Excel 2010.

      Thanks for your help.

      Delete
    2. Hello Indzara,

      This is Carlos. Thanks for your help the results are good. I was able to make it work. Thank you for your time.

      I will recoment this to many friends.. Take Care

      Delete
    3. Thank you, Carlos. Please share the blog with your friends. Several other templates are also available.

      If you have any suggestions for new templates, please let me know. I am looking for ideas for templates that will be useful for the community. Thanks.

      Delete
    4. Hello I am also looking template that works for Excel 2010 page three.

      Please provide the link

      Delete
    5. Hello Dorian Morla,
      I have updated the post with 2 new versions - one uses USD as currency and one without any currency formatting. They are compatible with Excel 2010. Please let me know if you see any issues with the new versions. Thanks.

      Delete
    6. Hello Dear,
      This is jignesh with you. Page-3 in excel 2010 still not reflecting the month and year for tables.
      Can u please help in this regard?
      Thanks

      Delete
  7. transfers to cash not working :(

    ReplyDelete
    Replies
    1. unless if u call "cash"

      Delete
    2. Are you saying that the CASH summary in page 1 of the Report was not calculating correctly? Please clarify.

      I have updated the templates (all versions of Excel 2010 and 2013) and they should work regardless of what you call CASH. Please let me know if this addressed your need. Thanks.

      Delete
  8. Hi,

    I had been working on the example temple, but I can make the year- moth window work. It giving the reports by day

    ReplyDelete
    Replies
    1. Thanks for using the template. Please clarify which version of Excel and which template you are using. Also, if you can e-mail me (indzara at gmail) the screenshots, I will take a look.

      Delete
  9. on the report tab when i insert the expenses and everything and refresh the data the year colum disapears and the month is on days.
    this happens on the last thing on the report tab.

    ReplyDelete
    Replies
    1. I apologize if I have not responded to your comment. I somehow seem to have missed this one. Please e-mail at indzara at gmail, if you are running to any issues with the template. Thanks.

      Delete
    2. I have commenced entering data from 1-4-14 and as on today 28th april ,Under reports- page 2 shows the details date wise and not Year and month wise. under report page-4 shows only the date of 4th april. I have done refresh etc. I dont know whether the data would be corrected after completion of april 14. Please clarify.

      Delete
    3. When the transactions table in the 'Transactions' sheet is emptied (deleted all data) and then the sheet is refreshed, this can happen. Month and Year slicers you see are dependent on the Date field. If date field is empty, Excel doesn't remember that it needs to create Year (and so it removes the slicer completely) and Month (Month becomes dates). I see that in your screenshots, this is exactly what has happened.

      Please download the template again. After downloading the template, it is recommended that you enter some of your transactions (especially the date field) and only then do refresh. That would keep everything functioning correctly.

      Thanks,

      Delete
  10. That’s a wonderful article, friend!
    I have recently found a website, which will actually take care of all your bill payments.
    Finovera provides an automatic bill pay service will pay your bills on your behalf. So, you will never have to worry about paying your bills.
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    Track household bills online using a safe and ultra-secure billing system, which will definitely get you rid of pain!!
    You can manage all your financial statements and that is stored safe in Finovera.
    Finovera is absolutely free to use and always will be!!!

    ReplyDelete
  11. It says I need a password to edit my own things into it. Is there something I need to do to get rid of the password?

    ReplyDelete
    Replies
    1. The template is password protected to prevent unintended modifications to the formulas. It should not prevent the user from entering your own data to work with the template. Please clarify what you are trying to edit. You can use the word 'indzara' to unlock.

      Delete
  12. Hi ind zara,

    This is EXACTLY what I have been trying to create for myself for about a year now... I have tried multiple formats and multiple templates and this is by far the most comprehensive and useful of any I've been able to find or create myself. I had a little trouble figuring out how to delete your dummy categories from the reports section in the beginning, but finally got it. My only suggestion for improvement might be to incorporate a debt section. In my case, I don't have credit cards, but I do have debts such as student loans as well as owing my mom money. Maybe it is possible for you to create a section for those issues.

    Thank you for providing such a great template for anyone to download!

    ReplyDelete
    Replies
    1. Thank you for the compliments. Comments like yours give me the motivation to continue to share. Thank you.

      I will consider incorporating debts in my next version. If it's you owing some money to your mom (or any such scenarios), can you try using a dummy credit card name and entering that amount as balance. Because I am not calculating any interests automatically in the template, you can include such balances in the template like a credit card balance. I may be missing something. Please correct me if I am misunderstanding.

      Delete
    2. That's actually what I'm doing for now. Using the credit card section for general debt is working well and I have been able to estimate when I'll have me debts payed off by using your template. Great motivation to keep saving. Thanks!

      Delete
    3. I am glad to hear such positive stories. Best wishes.

      Delete
  13. Hi guys,
    congratulations, your templates are great.

    ReplyDelete
  14. Thank you for your post. This is excellent information. It is amazing and wonderful to visit your site. It really gives me an insight on this topic.Here you can find many more tips about Self Improvement and Personal Finance.

    ReplyDelete
  15. Hi,

    Do u have any template for 2007 version

    ReplyDelete
    Replies
    1. Hello,
      I am sorry I don't have one yet. I will post it when I build it.
      Thanks,

      Delete
  16. hi,
    iam not able to do referesh all .not appear DATA Coloum in my personal finance manager excel template.

    ReplyDelete
    Replies
    1. I am not sure I understand your question. Please explain what you mean by not being able to refresh. Which column is missing?

      Delete
  17. hi,
    i have seen your Personal Finance Manager (Excel template) and its one of the best i came across.
    but one little problem is while closing template its showing "EXCEL HAS STOPPED WORKING" every time. when i reopen template all the data is lost.
    can you plz help what to do ?

    ReplyDelete
    Replies
    1. Thank you.
      I do not come across this error. Which version of Excel and what operating system do you use?

      Delete
    2. i am using excel 2010 and operating system windows 8.1

      Delete
    3. I am using Windows 7 and I have tested in Excel 2010 and 2013. I don't get this error. I am sorry I am unable to help further. I hope to have computers with different operating systems soon. I should be able to test then.
      Best wishes.

      Delete
  18. Replies
    1. Adding more accounts would require inserting new rows, data validation changes, and formatting changes in all the sheets. You can unlock the file using the pwd indzara and make the changes. Unfortunately, it is not a simple one-step task. I am sorry. I will keep in mind that there is a need to have option for more accounts. Best wishes.

      Delete
  19. Hi. Congratulations for your work. How can you block the cells limiting the scroll bars. Thank you.

    ReplyDelete
    Replies
    1. Thank you. You can select the rows (or columns), Right Click and choose 'Hide'. The extra rows and columns are just hidden. You can unhide and bring them back if needed. I hope I answered your question.

      Delete
  20. Hi, Thank you for the templates. They are wonderful. However, I have more credit cards than the spaces available for them. How can I add them to the template without affecting it?

    ReplyDelete
    Replies
    1. Thanks for your compliments. As I say in a previous comment, adding more accounts would require inserting new rows, data validation changes, and formatting changes in all the sheets. You can unlock the file using the pwd indzara and make the changes. Unfortunately, it is not a simple one-step task. I am sorry. I will keep in mind that there is a need to have option for more accounts. Best wishes.

      Delete
  21. Replies
    1. I don't have a Mac and am unable to test it. I expect some of the features in the template not to be compatible with Mac versions of Excel. Thanks.

      Delete
  22. Hi indzara thanks for your template. How to add year 2014 into sheet report?

    ReplyDelete
    Replies
    1. nevermind for last question. I found it when I refresh report. silly me :)

      the one I can't yet solve is why every I close the program, excell get hang qnd blank and window error message pop up then restart the excell?
      I use generic 2010 template and Im using excel 2010 in windows 7 64bit version

      Delete
    2. You are the third person I know who has come across this error. I don't get this error and I don't know why it happens for you. I would really like to understand. I will do some research on this. Thanks for letting me know.

      Delete
    3. Hi, would you mind sharing in a bit more detail how did you refresh the report. :) Thank you. And certainly thank you ind zara for this beautiful and useful spreadsheet.

      Delete
    4. You are welcome.
      Please go to the Data Ribbon and select refresh all. This updates the charts with your new transactions.

      Delete
  23. Dear Sir,

    We are very thankful for such a great excel. please let us know if you can do needful for us by creating the same finance manager excel sheet which we can use of our enterprise. By means of this we can get the business status of about profit and loss a/c

    Thanks - Arjun Patil

    ReplyDelete
  24. Thank you. Small businesses can also use this template. Please share your requirements. You can e-mail at indzara at gmail, or use the contact form on the right sidebar.

    ReplyDelete
  25. I want to understand about personal finance so I can understand to use my cash smartly at an starting age and generate income perform for me and not the other way circular.

    ReplyDelete
  26. WOW this is an amazing template I really see myself using this template for the years to come in order to keep track of my money thank you so much for sharing it to everyone that need's to get organized KEEP UP THE GREAT WORK!!!
    Now if you'll excuse me I am going to check out the rest of your site to see if there's anything else I can use to get better organized you guys have my full support. :)

    ReplyDelete
  27. Hi Ind,

    Thank you for this template.

    Just wondering how to add sub categories (30 needed) and categories

    ReplyDelete
    Replies
    1. You are welcome.
      Subcategories are easier to add. Insert more rows below row 37. Change (expand) the Named range (Subcategories) in the Name manager in the Formulas ribbon. That should do it.
      Categories are not so straight forward, since I use them in the reports and you need to make some modifications to that worksheet as well.

      Delete
  28. Hi Ind,

    Thanks for the template. Looks great, but I'm a bit confused with transfer transactions specifically on Credit Card. You stated to enter 2 records for this type of transaction, however any Credit Card balance is caused by the expense you made using the card and this transaction is already captured as part of expense record. Why do you think isn't needed to record Credit Card transactions this way?

    Thanks,
    Manish

    ReplyDelete
    Replies
    1. Hello Manish,
      Thanks.
      You enter credit card expense transactions as just expense transaction (one per expense). However, your credit card payments (you pay the credit card company monthly by transferring from your bank accounts typically) are transfer transactions and they should be entered twice (one for your credit card account and other for the bank account where you take the money from). I hope that clarifies.

      Delete
  29. Hi Ind Zara,
    This is Prabhu here. Excellent template that you have made. After i spent an hour inputting my data into the transaction table, i was quite disappointed to learn that the tables and graphs are not visible on pg 2,3,4.Please help. I am using excel 2010 on mac OSX.

    thanks

    ReplyDelete
  30. Hello Prabhu, I am sorry. Unfortunately, it is not compatible with Excel versions for Mac.

    ReplyDelete
  31. Hello Dear,

    Excellent sheet you have provided. You have not included different currencies?
    Do you have App prepared with same concept?

    Good luck

    ReplyDelete
    Replies
    1. Thank you. The currencies are limited right now. There is no app yet. Sorry.

      Delete
  32. IN SETTINGS ONLY 5 ACCOUNTS CAN BE ADDED HOW CAN I ADD A SIXTH ACCOUNT

    ReplyDelete
    Replies
    1. If you are familiar with Excel, you can edit the template to add more accounts. But if you are not, it's not straight forward.

      Delete
  33. Great template( Personal Finance Manager) Ind Zara,
    have been looking for something like this for a long time.

    Word Of God says "Freely you have received, freely give - Matthew 10:8".

    If you have excel 2007 version-pls.upload

    Thanks for making this free.
    God bless you!

    Regards,
    Joy

    ReplyDelete
    Replies
    1. Thank you. I am glad that you like it. I don't have a version that works in Excel 2007 yet. Sorry.

      Delete
  34. I found here a lot of useful information on the last updates related with ecommerce website and internet development. I already bookmarked your blog and will come back for new posts.

    ReplyDelete
  35. IN SETTINGS ONLY 5 ACCOUNTS CAN BE ADDED HOW CAN I ADD A SIXTH ACCOUNT?

    ReplyDelete
    Replies
    1. If you are familiar with Excel, you can edit the template to add more accounts. But if you are not, it's not straight forward.

      Delete
  36. Brilliant thing in most simple way, exactly what i was looking for. I have tried this both on 2007 and 2010. 2007 it is not working but 2010 it is working ok. Only little prob with updating pivot table on 2010. I am not getting month or year on the sheet even in 2010. Can you please help in this?
    Thanks dear

    ReplyDelete
    Replies
    1. I am not sure I understand your question. Please e-mail me a screenshot or file to indzara at gmail with your questions.

      Delete
  37. I am very excited about using your template. However, having entered a number of transactions for the month of January 2014 I have some issues:
    1) When I enter a transfer from Etrade to Wells Fargo, the transaction shows up in Wells Fargo checking (as it should) but it does not get deducted from Etrade! I can't figure out why.
    2) I don't seem to have anything useful in the Reports section of the template. Your online demo shows all sorts of graphs and plots, but I am seeing practically nothing useful. I am using excel 2o13 on Windows 7. I hope you can help me. I'm at my wits end using Quicken these days!!!!

    ReplyDelete
    Replies
    1. Transfer transactions require two entries (Two rows). Did that not work?
      If questions remain, please e-mail screenshots/file so that I can try to understand.

      The template used in the demo is the same and the Report sheet has all the charts. I am not sure what you mean by nothing useful. Is there anything specific you are looking for?

      Thanks for using the template.

      Delete
  38. Hi Ind zara,

    Great spreadsheet!!! Any update regarding the 2007 version?

    Regards,
    Hugo

    ReplyDelete
    Replies
    1. I have not had a chance to create one for 2007 yet. I am sorry. There has been several other projects and I am not sure when I will get to this.

      Delete
  39. Hi Indzara,
    These are great templates but I'm not able to work or adjust them to Mac, is there a version compatible with MacOffice?

    ReplyDelete
    Replies
    1. Thank you for your feedback.
      I don't have a Mac and I am unable to test my templates in Mac. I don't have Mac compatible versions yet. Sorry I couldn't help.

      Delete
  40. Hi Indzara,

    I need your help in making such finance manager. Can u please provide me your email id. so that i can attach a file and ask you certain questions there. Please Indzara help me.

    ReplyDelete
    Replies
    1. My e-mail address is indzara at gmail. I am tied up with other projects and unable to spend time on new projects. I am sorry if I am unable to respond to your e-mail quickly.

      Delete
  41. Im not able to see accounts in the account drop down box when adding new entry. All other drop down are working fine. Problem only with the accounts

    ReplyDelete
    Replies
    1. Please send the file to indzara at gmail. I can take a look. Thanks.

      Delete
  42. Hi, is it possible to schedule by Q1; Q2 ;Q3; Q4 and view up to 20 quarters in a single template? Also, I'd like to allocate 100+ resources, is there a way to modify/customize the template?

    ReplyDelete
    Replies
    1. Please clarify which template you are referring to. This is the page for the personal finance manager template. Thanks.

      Delete
  43. Hello Indzara
    Can I increase the number of categories?
    Thanks!

    ReplyDelete
    Replies
    1. I plan to work on the next version of this template sometime soon. I will increase number of categories then. If you are familiar with Excel, you can also modify. If needed, use indzara as password to unlock the sheets.

      Delete
  44. Also how do I deal with personal loans received?

    Thank you

    ReplyDelete
    Replies
    1. Can you please clarify how you would like to account for personal loans? If it's just to include the amount, you can consider it as income and when you pay the loan back, you can note that as expense. You can categorize both the income and expense as 'Loan' to track them separately.

      Delete
  45. SUPER, REALLY THERE IS NO WORDS TO SAY ABOUT YOUR HARD WORK

    EXCEPTIONAL WORK DONE BY YOU. MAY I KNOW YOUR GOOD NAME PLEASE?

    AND CAN YOU PLEASE TELL ME WHERE ARE YOU FROM?

    MAY I HAVE YOUR PERSONEL EMAIL ID OR CONTACT NUMBER


    REALLY IAM VERY IMPRESSED BY YOUR WORK. I HAVE BEEN USING 3 PRODUCT FROM YOUR SITE REALLY THERE IS NO COMMENTS ABOUT THE PRODUCT.ONCE AGAIN THANK YOU SO MUCH

    WAITING FOR YOUR MAIL

    NOUSHATALAPADY@GMAIL.COM

    ReplyDelete
    Replies
    1. Thank you for the kind words. I am glad that the products are useful. Please feel free to contact at indzara at gmail.

      Delete