Golbguru over at Money, Matter and More Musings has about the easiest to understand, most  straightforward article on where the money goes – "Illustrated Cash Flow For Dummies"

The article breaks it down into 6 categories, and uses diagrams similar to hydro flow charts (water diagrams) to show where the money goes.

• In Debt (More flowing out than in)
• Living Paycheck to Paycheck (All that comes in, goes out)
• Sucked by Money Leaks (One big in, lots of little outs)
• Frugal Living (Flow in, Less out, reservoir filling gradually)
• Frugal Living with Multiple Income Streams (Lots in, less out, Reservoir REALLY filling)
• Stingy (Flowing in, but none flowing out. Ready to burst)
• Happy (Flowing in, less flowing out, and a backup source ready for use)

It’s simple, intuitive and overall elegant. Golbguru proves that understanding and controlling your finances doesn’t have to be complicated. This is smack-yourself-in-the-forehead stuff.

Here’s hoping Golbguru writes more like this.