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Budgeting Tools

One does not become wise by knowing all the answers but by asking the right questions - Anon

Download the simple spreadsheets and get started to find out the

Who, What, When, Where, Why & How 

of your finances. 

Who, What, When, Where, Why & How are basic questions in information-gathering. Answers to these questions help you discover your whole story.

Dreams & Goals

Turning dreams into reality takes planning.  

Here is a free tool that helps you turn dreams into goals then develop step by step action plans to make dreams reality.   

Budget Sheets

A budget sheet will give you a clear idea of the big picture.  These are the tools that take into account all expenses. 

Together the Budget Sheet and the Debt Schedule are the fundamental tools of budgeting.

These two sheets, when completed, will show your

'State of Financial Position'

  • Who do I have to pay?

  • What are my priorities?

  • When 

  • Where

  • Why

  • How

Spending Plans

A Spending plan (or cashflow plan) is a practical tool that makes your budget come to life.

 

This spreadsheet allows you to plan week by week so that you can be confident of what you can (& can't) afford

  • Who is important to me?

  • What are my priorities?

  • When can I make a start?

  • Where do I want to be?

  • Why is it important to me?

  • How will I get there?

Account Tracker

A simple tool to help keep track of debt repayments. 

  • Who is important to me?

  • What are my priorities?

  • When can I make a start?

  • Where do I want to be?

  • Why is it important to me?

  • How will I get there?

Other Resources 

things like cheap meals, shopping planner etc 

What people say

Common comment

 Seeing it all written down in black & white got it out of my head and made it clear.

It is a weight off my mind.

NAME, TITLE

At first,

I didn't want to share my bank statement with my Mentor - its private! But I'm so glad I did!

He saw things I was missing. My big problem turned into an easy fix. 

NAME, TITLE

 Seeing it all written down in black & white got it out of my head and made it clear.

It is a weight off my mind.