Money Map Navigator™ is a structured, Excel-based personal-finance roadmap that pulls together your income, expenses, savings, and debt payoff into one simple, visual system.

Instead of wondering where your money went, you can see in one glance:

• What’s coming in and when
• Where every dollar is going
• How much you’re saving first (SIF™)
• How quickly your debts are being paid down

Used consistently, MMN™ helps you stop money leaks, line up your bills with your income, and redirect cash toward the goals that matter most. That structure is where real savings and debt reduction start to show up.

No. Your Money Map Navigator™ file lives on your device and under your control.

MMN™ does not:

• Sync your data to outside servers
• Collect or sell your information
• Track your financial activity in the background

You decide where your file is stored (local drive, thumb drive, or your own secure cloud backup), and you decide who has access to it. The result is a budgeting system that feels modern, but keeps your information fully private.

MMN™ includes a focused “debt-eliminator” view where you can see the true cost of each balance and how different payoff strategies change the outcome.

For each credit card or loan you can plug in:

• Current balance
• Interest rate
• Minimum payment
• Any extra payment you want to apply

From there, MMN™ calculates:

• How many months it will take to pay off
• Total interest you’ll pay if you stay on that path
• Your projected payoff date
• A payoff speed “multiplier” so you can see how much faster you’re moving

By shifting small amounts of money and targeting the right balances, you can often avoid hundreds or even thousands in future interest. MMN™ makes those trade-offs visible so you can act on them.

Yes. MMN™ is designed to handle income that doesn’t show up on a perfect calendar. That makes it a strong fit for rideshare drivers, delivery work, freelance, and other gig-based income.

With irregular income, you can:

• Enter deposits as they happen
• Watch your cashflow and bill coverage adjust in real time
• Use SIF™ to move a portion straight into savings before spending
• Track fuel, maintenance, and other work expenses separately from household spending

Money doesn’t move in straight lines. MMN™ helps you turn those ups and downs into a smooth, controlled stream of cash that you manage instead of reacting to.

Every situation is different, but here’s what typically happens when someone commits to the system:

• They uncover subscriptions, fees, and “leaks” that were invisible before
• They build a habit of saving before spending (SIF™), instead of hoping something is left over
• They redirect that freed-up cash toward debt payoff and real savings goals

Over time, it’s common to free up hundreds of dollars per month and avoid thousands of dollars in unnecessary interest that would have quietly accumulated in the background.

MMN™ doesn’t promise magic. It gives you a clear, repeatable process so every dollar has a job, and more of those dollars end up working for you instead of against you.