One of the most difficult aspects to get a handle on in your personal finances is determining where all the money went. You generally know the big ticket items like rent or car payment, but it can often be the small expenses that add up to ruin your budget. Debt Management Tool is a simple software application which can help you get a grip on your personal expenses and debt. By filling in your expenses and income you can find out how far you are from breaking even. More importantly you can see where you can cut most easily cut back. There are 30 different expense types you can enter in on a monthly basis. You can also customize the expenses to meet your lifestyle. For example, if you don’t have a child, but go to school, you can change Day Care to Books. You can also individual check off whether you consider an expense a Want or a Need. Now you can enter in your income and play with Wants vs. Needs to see how much you could save each month if you made certain sacrifices. From there you can enter in your loans and interest rates. You can see how quickly you could pay off loans and which loans you would want to pay off first.

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