When is a good time to buy a new car? When is a good time to move house? When is a good time to make a big purchase decision? Can I afford an increase in an existing cost? How much money do I need to earn to cover my bills?

All these questions, and many more, can be answered by Monatree. Have you ever bought something or agreed to a loan and then thought, "why did I buy that?" or "I hope I can afford it". If so, you don't have to rely on hope anymore. Monatree gives you the answer, plainly and simply, so you can decide. Sometimes, just waiting a week or two, or moving a new payment to the following month, can make the difference between having enough for the month or not.

Q: I have tried to plan before but I get caught out by unexpected bills and think, what's the point.

A: Okay, so turn it around, most of us have been in the same boat. If you are caught out by an unexpected bill, it simply means the information you are using is not accurate enough - not good enough - to give you a complete picture, so use the experience to get better informed and start using a better tool - like Monatree!

Unexpected bills can catch us all out at times, but those who are managing their money don't get hit so hard, usually because they can either see it coming and take action or are aware its coming but have enough in the bank to cover the bill. If you regularly find this happens then you can build up a buffer in your account or save towards higher bills. Monatree is designed to cater for these scenarios and helps you keep on top of your money in almost all situations.

Q: I don't earn very much money so how can Monatree help?

A: You may already know this, but the important question is not how much you earn (although this is certainly of importance) it's really about how much you spend. There have been many cases of lottery winners who won millions, only to find a few years later, all the money has gone and they are back where they started. Monatree keeps on top of all your payments in and out and helps you keep on track.

Plan your payments and pay on plan.

Monatree helps keep you on plan so all you need to do is make sure the numbers in the plan are as accurate as possible. This becomes much easier to do once you know your money position and gets easier as you go along. You can make global changes or just change individual payments and details as you go.

Prove the numbers are real by working to the plan.

Once you have seen the benefits of Monatree, you will gain confidence in the numbers and can see them actually working for you. Proving the numbers are real happens automatically through your bank account and confirms your plan is accurate. As the numbers filter in, you can see clearly where you will be at the end of the month, end of the year, in fact, at any point in time.

Enjoy the rewards! That's what it's all about.

Once you have a grip on your finances, you will realise the power. Having control over your finances is such a delight that it's impossible to describe until you get there. And everyone using Monatree gets there sooner or later. There is great security in knowing you are financially secure and no better feeling than helping someone to get there.