moneysmart® is not a traditional budgeting tool, we like to call it a Spend Management Application. We feel that traditional budgeting is not a realistic way to manage your spending. With traditional budgeting you review your past spending at the end of the month and then try not to spend so much the next month, same thing month after month. We try to be relevant on a daily bases. The important thing is first of all that you have enough money to cover your fixed expenses and debit orders when they go off. Then we don’t care what you spend your money on as long as Daily Available Cash says you can afford it because your fixed expenses are already planned for. So you know what you can spend on a daily bases without worrying if you are going to reach the end of the month and have enough money to cover your financial obligations.