In times of Credit Crunch, it pays to:

1. Know your where your money is going
2. Make the right choices to cut unnecessary expenditure

This Expense Tracker is the key to both.

It involves a bit of work on your part, but I would really recommend doing this exercise as it helps to put things in perspective.

This looks complicated, but it's REALLY easy.

Good luck Nick

How much can you afford to spend on a house? Check out my calculator here

Want to know whether it makes financial sense to buy, do up and sell ?

Will you be better off buying or renting ?

IMPORTANT: Worried about SECURITY? Open Excel in SAFE MODE

Expense Tracker Training Video: