It can be very difficult to get your expenses, income, and debt in order today. Debt Management Tool is a simple software program that can help with getting a high level view of your budget. With all of the main functions on the main screen, the software is kept simple. However, you can enter into it a number of expenses that can be changed to meet your spending habits. There are 30 different expense fields where you can enter in rent, car payment, gas, internet, food, out to eat, and more. Anything that you spend money on should be entered into this section so you can have an overview of your money spending and where the money is going. You may be surprised to find out you how much you spend on even small stuff like coffee or iTunes. Once you have entered your expenses you can figure out where to cut back into order to balance your budget. You can categorize items as needs or wants. Then the software can show the impact of your needs and wants versus your income. You can also enter in your loans with the totals and interest rates. By balancing your income, needs, and wants you can determine how long it will take you to pay off your loans and what sacrifices you will need to make.