The Traditional Budget can be a handy tool to review spending on a monthly basis. Another important message is that over spending in one month may affect your ability to meet expenses a few months later. Perusal of the example spreadsheet in the budgeting section is recommended. You can change the catergories to those that suit ie Home Repayments to Rent

The Personal Balance Sheet enables you to understand your financial position. It is a simple review system from which many questions can be asked: Were those loans worthwhile?Is there much to show for the years spent earning an income? This spreadsheet can be used to plan for the future. One copy can be made of your current financial position and another one can be made of where you want to be in 1, 3, 5 & 10 years time. The key is to peruse it on a regular basis, say 6 months to help keep you on track. Enter your own details eg Holden Commodore $30,000

The DebtonatorTM will be the most important section of money100 for some members. A tool that can help them take control of their borrowings can't be underestimated. This system is simple. Controlling spending and using the amount saved to pay extra off the debt with the lowest pay off ratio. Just watch the momentum build as loans start to be paid off!   Go to the Debtonator subsection in handling debt for an example and more information.

The Cash Diary is used to monitor spending. The time frame is up to you. The ultimate goal after using the cash diary for a while is that all non essential spending to be made only after careful deliberation. A question should now be asked, Do I need to spend my money on this?  This is different to many people whose spending habits are uncontrolled.