Every homeowner could do with a bit of weekly organisation when it comes to their finances. Simply fill in this excel document and see what the real picture looks like.

Before you can start investing, you need to know what money comes in and what money goes out every month. This will give you clarity on your borrowing capacity when it comes to getting a loan for a property.

If you cannot afford it, don't buy it. Ask yourself: "Do I really need this?" - when you start filling in this Excel budget tool, you realise what is stopping you from getting ahead financially. There is no hiding from the numbers. Try it and change your perspective.