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Totally Unique

The iMoneyManager is a unique piece of free software that can help you if you are worried about keeping up your debt repayments. It is extremely simple to use. Enter your details and it shows clearly which one of four 'debt bands' you fall into:

You can see when you will be debt-free based on what you can afford to repay. Many software packages will give you a healthcheck of sorts but the iMoneyManager is totally unique because if you have a problem, it helps you do something about it.

Absolutely Private

It sits on your own computer, no uploading personal financial details to a WebSite. All information you enter is encrypted and held securely on your own PC.

Powerful in its simplicity

You can automatically create pre-formatted letters and a financial statement (in the proper industry format) to send to as many creditors as you need. Each screen has a clear video instruction to guide you through.

Professional presentation of the facts

It packs the accepted industry approach to dealing with a debt problem, (used by the Citizens Advice Bureau, debt advice charities and fee charging debt help companies) into an easy to follow process you operate in the privacy of your own home. It is easy to use no training is needed, each screen on the iMoneyManager has a clear video instruction explaining what to do.

It saves hours of time and worry AND It is Free...

See How the iMoneyManager Works!

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iMoneyManager: As Reviewed by:

As Reviewed By: Specialist Debt Lawyer former Head of the Money Advice Unit for Croydon CAB - Kwame Asare “I have to congratulate them for the effort they have put into this. One of the most time consuming aspects of addressing a debt situation is getting a clear view on the situation. The iMoneyManager does this in a straightforward and easy to understand way. The approach is based on the industry accepted format devised by the Money Advice Trust and the British Banking Association and actually produces a Common Financial Statement for the user in the same format that the CAB and most debt advisory services use. Many people seek advice only once things have gone too far. Usually this is because of embarrassment or because they are simply unaware of their position. The iMoneyManager encourages people not to leave things for too long without taking action. It clearly presents the users financial position and then helps them take control without them having to involve anyone else. I highly recommend it.”

As Reviewed By: Business Bank Manager for Natwest Bank - Croydon Travis Samaranyake “The iMoneyManager is very good. It is user friendly and easy to understand. You can choose to enter your figures in a weekly format and it automatically translates everything to monthly figures so you don’t have to. On each screen it even gives a video instruction on how to fill out that section. I think it is very useful for people even if they just want to manage their cash flow.”

As Reviewed By: Former bank manager for a major high street bank in Croydon and current treasurer for Croydon Jubilee Church Richard Carey “In my current role dealing with financial matters for Croydon Jubilee Church I am often approached by people in financial difficulty. The great thing about the iMoneyManager is that it allows you to assess your financial position and take action towards working your way out of debt in the privacy of your own home. All your figures are kept on your own computer, you don’t have to upload them to any websites or share your situation with anyone until you are ready.”

The Background

My wife Miriam and I have been helping people through very difficult debt situations for the last 3 years.

We operated as 'Stop The Worry'. Originally we helped people with a wide range of debt related problems. For the last 18 months we have specialised in helping people through bankruptcy.

Testimonials We are very proud of our testimonials. You can read and listen to some of them by clicking the link below. CLICK ON THIS LINK

In recent months we decided to begin to transfer our knowledge to the internet. It means we can help more people.

After working with people for a while we realised that with any worry about money or debt it's all about taking control. There are 4 key steps to taking control:

My background originally was in IT (sales and marketing not coding), and when I began to help people through difficult financial situations I realised pretty quickly that I could design something that would make my job easier.

I started experimenting

I started to experiment with Excel spreadsheets and started to build up the idea of a piece of software that would do help me work out the details for Step One and Step Two.

It used to take hours to help someone take control

It used to take me ages to get to grips with someone's situation, sometimes hours. It was really hard as some of the people I helped out had more than 8 or 9 creditors. I used to visit people in their own homes and talk through their situation with them before advising on the best course of action. Many times when I asked how much they owed and to whom they would shrug and hand me a plastic bags full of letters and demands.

With particularly complicated cases I worked by laying out all the bills and bank and credit card demands on the floor to get things into some kind of order. I would write all the key information and figures down and then transfer the details to the spreadsheet when I got home.

At first the spreadsheet I designed would only let me gather the amount they owed to each creditor, and the total debt. After a few months I added to it so that I could add information about how much their monthly expenses were and how much they had to pay out in repayments each month.

Letting the computer do the work

It became easy to see whether they could afford to cover their basic monthly expenses and whether they could afford to make their monthly debt repayments.

I was amazed at how much easier it was to understand the person's situation when I let the computer do the work. I wasn't satisfied though! I still couldn't see how long it would take to pay back their debts, and I couldn't see how much they could afford to pay each of their creditors. This in the industry is called the 'pro-rata' split.

If you can't afford to make the repayments on your loans and you can't earn more money, you have two options. Either consolidate your debts so you can afford the payments, or renegotiate a lower affordable payment. The challenge is, that to be fair to each one of your creditors, you need to work out the pro-rata split.

Bye-Bye Spreadsheets, Hello Software

Now, I could get the spreadsheet to work out the pro-rata split but working out the time it took to pay back the debts was more of a challenge. I knew a really long-winded way but the spreadsheet began to get really complicated.

I decided that I would get someone to build a piece of software that ran on my computer. I used a website to find a coder.

That was the start of a 2 year challenge that ended up with the iMoneyManager. I used coders as far away as India, Russia, Greece, and Bulgaria and the iMoneyManager has gone through 5 variations to end up with what we have now.

At each stage I added a function that would help me automate more of the process of taking control. Finally I ended up with the iMoneyManager.

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The iMoneyManager - What do you Get?

It works out the key figures you need to re-gain control:

It gives you tools to automate the tough stuff:

It gives you video based instructions:

Produces Professional Output:

The financial statement is in an approved format. It is based on the Common Financial Statement (CFS), designed by the Money Advice Trust and the British Banking Association. It is the same format that would be sent if you went to the Citizen's Advice Bureau for them to help you out.

At the click of a Button

If you need to write to your creditors to ask them to lower your monthly payments the iMoneyManager will automatically produce as many letters as you need, just like this. The iMoneyManager also produces an industry formatted Financial Statement just like this.

Your creditor letter

Your Common Financial Statement - Page 1

Your Common Financial Statement - Page 2

Stop Worrying!

Let the iMoneyManager do the work

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