A monthly budget is more than how much is spent on groceries and petrol. Sure, you need to keep track of your total expenses. You also need to keep track of how much you save towards retirement and all your other goals. You also need to check  if your savings are on track year after…

Online financial health checkers usually are based on “personal finance ratios”. read more about them here. There are more useful to the finance professional than to the layman to assess the financial state of an individual. So I made this financial health checker which does not reply in these ratios. In fact you could even…