Bangalore: Financial planning is considered as a very dreary task because many find it boring to have a watch on their finances. In order to have a safe and secure financial life, one must track their finances. This requires you to budget wisely and make smart money decisions. The ability to make good decisions is as skill that can be improved through practice and the use of the proper techniques. Here are some financial tools you should use in order to gain control over your finances. Online Calculators Be it a purchase of a car or our dream house, we borrow money in order to fulfill these dreams. We often land up taking excess of money that would be difficult to repay and definitely affects our budget. So in order to avoid such blunders, it would be wise to use online calculators to determine what that purchase will mean to your wallet. Based on this you can make the big decision of going ahead with the heavy purchase.