Utensils are tools that can help you set up and track your financial progress. They are useful on their own and really powerful when used as directed in the book Cashflow Cookbook. Click on the image to download the file.

Debt Tracking Sheet

Having debts lurking about in credit cards, student loans, mortgages, car loans and various other things is no fun. They slurp away at your bank account like a colony of vampire bats leaving you dry 3 days before each pay check.

Before we whack them with a rolling pin, we need to get them all up where we can see them. Download the handy Cashflow Cookbook Debt Sheet, enter in your debts (yes all of them) and start to grind them down one a time, starting with the highest interest rate one. Use the savings from the Recipe section and Cashflow Cookbook to free up cash to eliminate these debts.

Net Worth Tracking Sheet

Keeping a monthly budget is painful. Like a case of food poisoning from post-peak Thanksgiving leftovers. Easier to find new ways to save and apply them to debt reduction and increased savings. So how do you track all of this to see if it is working? By downloading the Cashflow Cookbook Net Worth Sheet. Fill in everything you owe and everything you own. Update it every few months and see how you are doing. Takes an hour or 2 a year and it will change the way you look at spending and saving.

What Are Those Monthly Savings Worth Over Ten Years?

What’s with these people bringing lunch to work, collecting points at the supermarket and shopping around for mortgage rates? Which of these are worth the effort and which are just, well, effort? Download this PDF to get a handy table with instructions on how to convert a monthly savings to its value over a number of years at a particular interest rate. This table is referred to extensively in the book Cashflow Cookbook.