Just like the other one, okay, so I’m no songtress, but the Pink Floyd lyrics I’m referencing here aren’t exactly what you think, instead I’m relating this to rolling…drum roll please…..coins.

It has been well researched and documented that most people that are smart with their money, credit and other finances are able to make better than average decisions because they are in good mental and physical health.

You say you know where your money goes and you don’t need to track your expenses to keep up with it? I issue you this challenge: Keep track of every penny you spend for one month and I do mean every single penny.

Lately I’ve been thinking about successful people in general. I define a successful person as a person who works hard, saves their money (or is financially savvy), and has made a contribution within their profession.

Yet, there’s a free tool available online called Planwise. It’s a free online personal finance decision tool that allows you to input your expenses and income and set goals for yourself, such as pay down debt, buy a house, or take on a major expense. It also predicts your progress on paying off debt and potential affect of saving the remainder of your income through bar and line graphs.