A simple alternative to complex budget systems. There are no charts of accounts. Your checking account is used to pay your bills. Cash is used to pay your food and living expenses, and Savings/emergency fund is used to handle emergencies that cannot be covered by cash. Program finds surplus money that can safely be removed from the checking account because it not needed to pay future bills. Use the money to pay down debt. Determine safe amount of new debt you can be carried. It is simple Money Management system that does not take a lot of time or effort to maintain, but still provides the financial basics, paying you bill on time, determining if there is enough money to meet your future expenses and finding surplus money that can be a part of a debt reduction program. Program comes with a separate tutorial to help you in managing your money.