It’s basic math: you can’t spend money you don’t actually have

Unfortunately this simple principle is complicated by credit, which lets you spend more money than you actually have.

That makes it easy for expenses to become quickly more expensive than you can afford.

We want you to save, not spend, your money.

That’s why we’ve developed tools, and loads of useful content that helps you see how much money you’re spending and where you’re spending it.


A simple daily tracker to start cutting costs today

What is it?

A categorized, daily expenses tracker for beginners. Start tracking expenses today - all you need is pen and paper.

Why do I need it?

It’s easy to forget how much we spend in a day - which means expenses add up much quicker than expected.

How will it help?

Breaking down expenses into simple categories makes it easy to stay on track - and on top - of your spending, every day.


Track money monthly for a big-picture pattern of your spending

What is it?

An easy to use excel that records detailed monthly expenses for each spending category, including debt.

Why do I need it?

To make large-scale reductions to spending, you need to look at medium-term, monthly spending patterns.

How will it help?

Identify spending patterns and habits with a big picture analysis of monthly expenditures by category.


Calculate expenses - and cut costs - by category

What is it?

Add up all your expenses, including debt and interest, to see the total amount you spend each months, and where you can cut costs.

Why do I need it?

To cut expenses, you need to first identify and add up all expenditures, and ensure they aren’t higher with your income.

How will it help?

With all the math done for you, you’ll see exactly how much you need to cut spending by, and the areas in which you can save.


1237 Woodbine Ave
Toronto, Ontario
M4C 4E5

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