Debt Management tool can help you take the proper steps in understanding your personal finances. The first step is to get a handle on your expenses. With this tool you can enter in a wide variety of expenses including rent, mortgage, utilities, mobile phone, cable, etc. Even items that you may not normally consider like gifts, coffee at Starbucks, and DVDs. The expenses can all be customized to fit your lifestyle. For example, if you are a student you may want to put in books, tuition, fraternity fees, football games, party food, etc. If you are a parent you may want clothes, diapers, toys, baby sitter, and day care. Once you get all your expenses entered you can pick which you consider a need and which you consider a want. This can help you in identifying areas where you can lower your overall expenses. The software will calculate what the impact of cutting wants will have on your budget. Once you have your budget balanced, you can start working on paying off your debt. By entering all your loans into the tool, you can determine which loans to pay off first as well as how long it will take you depending on your income, expenses, wants, and needs.

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