Step 1 · Free
Monthly personal finances analysis
A free Excel template for drawing up your monthly balance: income, spending, assets and liabilities in one picture. Free for newsletter subscribers.
Excel template
Excel templates
Free downloads to understand and direct your money. No sign-up and no email required.
The three templates are one system
Understand your position, then track your spending, and only then adjust your budget. In that order they work better than they do apart.
Step 2 · Free
Expense management
A free Excel template for recording every expense for 15 days or a month, so you can see where your money actually goes. Free for newsletter subscribers.
Step 3 · Free
Personal budget
A free Excel template for comparing where your money actually goes with the budget you want to have. Free for newsletter subscribers.