I created a very simple yet effective way to manage your debts/expenses using Microsoft Excel, you must already own Microsoft Excel 2010 or 2013 in order for this to work. About me, I hold a Bachelor's of Science Degree in Business Administration with a depth in mathematics, I am also a Veteran of the Army, and was a debt collector for 5 years. I have been using this program over the last 4 years and have tweaked it to perfection. I promise you that no other program is as good as mine. Once payment is made the program will be sent to you via e-mail. This is by far the best personal budgeting program ever created! This will allow you to track all of your expenses and debts for an ENTIRE YEAR!! This program works best by you put in the transactions that cleared your bank account, but don't worry, you're not putting any of your sensitive information into the spreadsheet. *Never be overcharged, double-charged, or charged in error EVER AGAIN! *View your real time credit card balances, their interest rates, available credit, monthly payment and never wonder "Did I pay that card this month?". *Need to make a large purchase on a credit card, this program will allow you to know which card is the best to use by simply viewing your cards interest rates, monthly payments, and available credit. *View your total debt and how much of your money is called for each month. *Set your own budget for the life essentials like food and gas. *Easily adjustable so you can play around with your inputs to see how your finances would change if you paid off a certain debt or if your income changed. *Easily be able to put money in a savings account to see how it will effect the rest of your finances. *Create scenarios to see where you will be in 5 years financially by simply inputting the data. *You may always e-mail me with questions about the program and I will gladly assist you.