Money is simply a resource, like water or air. Your job is to manage it so it doesn't run out and to keep your stress and anxiety levels to a minimum. Can you say you're confident and relaxed with your money? If not, don't worry, Monatree can help.

Why doesn't everyone have a good grip on their financial position? Why do people keep spending when they don't have enough money? There are many reasons but they all come down to the same thing; lack of clarity in your financial position.

If money is creating stress or even keeping you up at night, then Monatree is precisely what you need. It may be hard to believe but once you start getting control of your finances, you will gain absolute confidence in your financial position and not have to worry about bills again. It really is that simple.

A famous saying, "identifying the problem is halfway to solving the problem" certainly applies to money management. In most cases, just seeing the problem reveals the answer to the problem! Monatree is designed to solve this half of the problem by giving you clear information.

Note: The effects from using Monatree can sometimes feel extraordinary. It maximises the money you have whilst giving you full visibility of where your money goes - and where it will go - so you know what to do and when to do it.

Imagine knowing and seeing clearly that in 3 months time, you have a shortage of funds BUT because you know this now, you can do something about it before it becomes a bigger problem.

The feeling is very empowering because you can see the problems coming BEFORE they arrive. This is just one of the many benefits of using Monatree.

There are 3 simple areas of understanding in Monatree:

1) Know who you pay and who pays you.

In most cases, knowing who to pay or who pays you can be taken from your bank statement. Monatree simply needs to know a name. It could be the name of your employer, or a utility company or even the gardener! Monatree uses "Payees" to identify this, you can choose any name you like and it doesn't necessarily have to match the name on your bank statement, although it can if you like.

2) Know when bills need to be paid.

Monatree will take care of the timing by clearly showing what has to be paid and when but to start you just need to know either the date you pay, or are paid, and the frequency of the payment (i.e. one-off, daily, weekly, monthly etc). Your wages, for example, could be weekly or monthly depending on your employer. In most cases this can be taken from your bank statement or you may already know the frequency of the payment.

3) Know what you are paying for.

Once the above are known, this principle reveals itself automatically. You may be paying for old subscriptions or services, or you may be paying way more than you should for goods and services. Monatree captures all your spend which immediately highlights any unusual or unexpected payments. Being able to see where you can save money is a fundamental feature of Monatree.