The interactive workbook contains complex calculations, but all you see is a simple interface!

Here's an example of one of the charts:

Part 1: Fill in the blue cells with your current financial information.

Part 2: Fill in a green worksheet (not shown) to determine your transition spending plan.

Part 3: Fill in the pink cells with revised spending. The yellow cell tells you if you're over or under your target.

In the example above, the user has decided to reduce total utility costs by about 20%. She had to make some hard decisions, but in order to reach her goals, she made a plan to reduce many utility bills by about 10% by conservation. She also decided to change her cable plan.

This freed up over $700 over the course of a year in just one of ten expense categories alone!

Once you have an idea of the costs and the time it will take, the workbook calculates a range of options for how much you'll need each month to reach your goals. By the time you're done, you have a concrete plan based on the course you set.

Tips for users

The workbook runs on virtually any computer. The template opens in Microsoft Excel, or download Open Office now for FREE.

We do not recommend taking this to work if you are not out. If at all possible, do this on your home computer. If you decide to use this at work, always keep your version(s) on removable media, and never leave copies residing on your hard drive. Always quit out of the program when away from your desk and move the media to a safe place. While it's possible to do this safely, using this at work is at your own risk.

The workbook has 9 Tabs along the bottom for the nine worksheets you'll be using:

• Registration
• Intro
• Net worth
• Expenses
• Available
• Goals
• Adjusted
• Tips
• Appendix

All you have to do is fill in the amounts based on your goals, and then make decisions and revisions until you have a workable plan in place!