Free Money Tools

Understand your money. Build your confidence. Make your own choices.

Money affects almost every part of everyday life. Yet many of us were never taught the simple skills that make it easier to understand what is happening with our money, make informed choices and plan ahead.

Peaceful Planet's Free Money Tools are designed to help change that.

They don't tell you what you should spend, what you should save, or what choices you should make, and they are not financial advice. They give you the knowledge to see your financial situation more clearly, so that you can choose what you do with your money.

You can look at the past, the present and the future.

Choose the tool that is useful to you now.

Past, present and future

Good financial health is not just about how much money you have. It is also about being able to see what is happening clearly enough to make choices.

Understand the past.

Debt is a consequence of decisions and events that have already happened. Understanding how the debt is changing — and what your payments are actually achieving — turns something that can feel uncertain or overwhelming into information you can use.

Take control of the present.

Your bank account is where much of everyday financial life happens. Knowing what comes in, what regularly goes out and what is really available gives you a clearer picture of where you stand today.

Prepare for the future.

Many apparently unexpected expenses are not really unexpected. We know that insurance will need renewing, vehicles will need maintaining, birthdays will come, Christmas will arrive, and things will eventually need replacing. Looking ahead gives you time — and creates choices that may not exist when the expense becomes urgent.

Together, these three perspectives help turn money from something that simply happens to you into something you can see, understand and plan around.

Seeing the past, present and future more clearly helps answer a very practical question: Where am I financially?

And that creates the foundation for another question:

That is the territory of the next stage of the Free Money Tools: not simply understanding and maintaining your present financial position, but exploring what might become possible when you have greater knowledge, foresight and room to choose.

What is Peaceful Planet?

Peaceful Planet's mission is to:

For the purposes of these Free Money Tools, that means helping people increase their freedom and power of choice by gaining greater understanding and practical control over the things that affect everyday life.

Money is one of those things.

Financial difficulty can reduce choice. When everything is urgent, attention is pulled towards the immediate problem: the bill that must be paid, the account that has gone overdrawn, the debt payment that is due. There is less room to look ahead.

Greater understanding can begin to reverse that.

The aim of these tools is therefore not simply better arithmetic. It is greater personal agency: the ability to understand a situation, consider alternatives and act deliberately rather than simply react.

And personal agency matters to communities as well as individuals. Communities are stronger when the people within them have the knowledge, confidence and practical capability to understand the circumstances affecting their lives, make informed choices and participate in solving problems.

That is why these simple money tools belong within Peaceful Planet's wider work.

Choose where to begin