Abstract: A pocket-size personal financial organizer for monitoring, controlling and reducing spending. The organizer provides means for projecting spending in various categories by month and by week, recording daily, weekly, and monthly spending by category, determining spending differentials between projected and actual spending, determining monthly net cash flow, determining how much money to set aside for future spending, recording debt payments, and recording tax deductible spending. Analytical means for determining spending differentials and net cash flow provides necessary financial information for adjusting projected and actual spending to maintain positive spending differentials and net cash flow. The invention further provides means for calculating six month summaries of actual spending relative to income. The invention is contained within a convenient portable booklet and can be used up to twelve months.