Save It First!™ Engine
Instead of hoping money is left over to save, SIF™ moves savings and key goals to the front of the line. You decide the target, and MMN™ shows how each deposit flows into high-yield savings and priorities.
Why MMN™ Works
Why It Works
Why Money Map Navigator™ Works (and What You Get)
The Save It First!™ system that turns scattered income and bills into a simple, repeatable money routine.
Money Map Navigator™ isn’t just another spreadsheet. It’s a structured planning system built around Save It First!™ (SIF™), clear cashflow views, and practical tools that help you cut interest costs and stay ahead of your bills—without connecting to your bank or handing your data to an app.
Save first. See clearly. Spend with intention.
Why It Works
Three Pillars Behind the Money Map System
Money Map Navigator™ works because it combines three ideas that most budgeting tools keep separate: intentional saving, real-time clarity, and smart debt reduction.
Cashflow at a Glance
Income, expenses, and savings are organized in a single workflow. You always know what’s coming in, what’s already spoken for, and what’s truly available to spend today, this week, and this month.
Debt-Eliminator Tools
Built-in calculators show payoff months, interest costs, and the impact of extra payments. You can see exactly how small changes accelerate your freedom from credit cards and loans.
What You Get
What You Get with Money Map Navigator™
When you download Money Map Navigator™, you’re getting more than a file, you’re getting a repeatable decision system for your money. Inside the workbook you’ll find:
Save It First!™ Planning Views
Dedicated SIF™ sheets that help you set targets, route deposits into high-yield savings, and track how much is being saved toward goals each month.
Income & Deposit Planner
A structured way to map weekly, bi-weekly, semi-monthly, and irregular income into one clear monthly picture perfect for paychecks, side gigs, or rideshare.
Expense & Bill Organizer
Track rent, utilities, subscriptions, fuel, and more by date and frequency so you know what is fixed, what is flexible, and where you can adjust.
Debt-Eliminator Worksheets
Separate views for credit cards and loans that calculate payoff timing and interest savings when you add extra payments or re-route SIF™ funds toward debt.
Register & Running Balance View
A color-coded register that logs deposits, bills, and extra payments keeping you fully offline and in your control.
Dashboard & Graphs
Visual snapshots of income, payments, SIF™ results, credit cards, and loans so you can see progress instead of just scrolling through numbers.
All of this runs in Microsoft Excel on your own device. Your financial information stays offline, in your hands—not on a server.
Ready to put this system to work on your money?
Download Money Map Navigator™, open it in Excel, and start routing your next deposits through Save It First!™. You can always explore the Inside MMN™ page if you’d like another look at the workbook screens first.
