The workbooks are a place for you to put down your monthly budget, so you put in what your income, savings, fixed assets, expenses, and you find out what your discretionary expenditure is for the month.  We also have a place for you to put your assets and liabilities so you always see what your net worth is month on month, year on year, so the longer you do this, the more information you have, which is fantastic, because then you can really see how you've grown.  In addition, you have the weekly pages, so you can write down all your different expenses so you can see exactly where you can cut back month on month. There is also a calendar so you can see how much you have left over to spend. We have a different theory on how to spend, but once you sign up, you will have access to all these worksheets and tools and really be able to see how you're growing over time.