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What can it do for my situation?

Aside from reader Testimonials, I can also tell you what it did for me, its first user!

I didn’t know jack or jill about my money until I graduated with $60,000 in debt with the last $2000 I had from my line of credit (for student loans), paid out to cover rent on a new apartment I was leasing.

Sure, I knew enough to pay off my credit card in full rather than carrying a balance, or that I had to pay the bills like rent or utilities, but I had no idea how to save, or how much debt I was really accumulating during my four years at college.

I was never taught by my parents, I never received an allowance and I drifted along being fairly ignorant about my money for the most part. I spent it, and didn’t save it.

Once I realized it would take me about 10-15 years to clear $60,000 in debt, and I started calculating how much interest I was paying daily on those loans, I slapped myself in the face (figuratively) and decided I would do what it took to get out of debt as soon as possible.

That was my goal for the next 18 months, and I cleared every penny of what I owed.

My original plan was to clear it in 3 years, but I finished off that debt in half the time.


Click on the image to biggify


As you can see, I am a huge fan of what I created and I use it every single day.

I never forget to track my money and it provides me with lots of satisfaction and pleasure in seeing my progress.

Now that I am at $500,000 it is an incredible rise in what I consider to be a short amount of time from being heavily in debt to being in the black (and then some).

Updated Net Worth Chart

August 2019


Here’s entire my journey of net worth in detail from $50,000 to $840,000 (as of 2019).


To break it down, my $60,000 debt looked like this:

Depressing, yes?

I felt sick looking at the amount racked up from 4 years of living on my own and schooling, even while holding down 2 full-time jobs while going to college full-time.

How did I ever end up with $60,000 in the hole?

I was definitely NOT frugal by any means, not having known anything about money management before I got my first real job.

(Don’t ask, it’s a facetious question, because my tuition was $20K a year.)


In detail, this is what my debt journey looked like:

Click on the image to biggify


I had already started paying down my debt and was making some headway slowly but surely, but just look at the sharp drop after I started paying attention.

What happened was after I started budgeting and tracking my money, I realized how much money I was WASTING on useless things like shopping, and I just worked as hard as I could at keeping myself under control. Discipline is key.

The final drop when I finally cleared my debt, was the last $15,000 I owed out of $60,000, because I quit my job, took the risk and freelanced.

That last bit, won’t work for everyone, but keep in mind that I had already cleared $45,000 on my own while earning $65,000 gross a year.

I was already on my way to be debt free by the following summer, but I took an opportunity to quit my job, and started freelancing which made more money and helped me drop kick that last loan like a bad habit.

It has been proven time and time again that if you make a budget, track your expenses and stick to your financial plan, you will become debt-free and wealthy.


You do not need to make a high income to be able to save or to get out of debt, you just need a change in lifestyle and in your mindset.

People who make 6-figure incomes and spend every penny of it, are no better off than those who make a fraction of that, because they don’t save anything.

In fact, people with high incomes who don’t save, tend to feel like they deserve to spend more than what they earn, and may end up with bigger debts than someone with a lower income.

Food for thought.

  • Budgeting
  • Expense Tracking
  • *NEW* No need to fiddle with Excel formulas, the expense tracking automatically syncs up with your budget
  • Year End Summary
  • Net Worth Tracker
  • Debt Repayment Charts & Tracking
  • Assets Management & Analysis
  • *NEW* Debt Repayment Analysis
  • *NEW*Retirement Calculator
  • *NEW*Growth of Assets Speculator
  • COMPLETE with visual Charts & Graphs



All the net proceeds made off this budgeting tool goes to help others who are truly in need.

Others, who don’t have problems like worrying about how to save for their retirement because they’re concentrating on trying to keep their child alive in a Children’s Hospital but can’t afford the bills.

Or trying to remember the last time they ate, or had medical treatment.

These are people who have the real problems that go beyond debt.

In addition, for every budgeting tool you buy I will match the amount and double whatever is donated.


Well, I definitely don’t need the money either, and this is a great way to help others while helping yourself.

(Lest you think I’m 100% altruistic, this is not the case because it does somewhat benefit me as it helps to lower my taxable income, which is where I get that bit of compensation, if you will.)

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