Personal financial tracking system and method

A device for selectively tracking expenditures against a total monetary amount, comprising:

• a support having a plurality of response areas for presenting information for selection;
• printing indicative of one or more discrete monetary amounts, each amount a small fraction of the total monetary amount as a discrete budget unit, fixed to the support within each response area;
• the plurality of response areas and the printing arranged on the support in a distributed fashion such that the aggregate of the representations of the discrete monetary amounts equals the total monetary amount;
• wherein the arrangement of the printing and response areas provides a visual representation of the budgeted total monetary amount as a distribution of discrete monetary amounts, and wherein expenditure amounts are tracked by canceling, for each expenditure amount, a corresponding amount of the discrete printed representations to approximate the expenditure amount, wherein the number of non-canceled representations provides a visual indication of the amount of funds remaining for expenditure, and the number of canceled representations provides a visual indication of the amount of funds expended.

A method for tracking monetary savings, comprising:

• determining a budgeted total monetary amount to be saved;
• fixing one or more discrete monetary amounts, each of which is a small fraction of the budgeted total monetary amount as a discrete budget unit;
• arranging a plurality of representations of the one or more discrete monetary amounts in a distributed fashion on a medium such that the aggregate of the representations equals the budgeted total monetary amount, wherein the arrangement of the representations provides a visual representation of the budgeted total monetary amount as a distribution of discrete monetary amounts;
• tracking a plurality of discrete savings amounts by canceling, for each savings amount, a corresponding amount of the representations to approximate the actual amount, wherein the number of non-canceled representations, provides a visual indication of the amount of funds remaining to be saved, and the number of canceled representations provides a visual indication of the amount of funds already saved.