SPEND YOUR WAY TO A BETTER LIFE
~ last updated January 28, 2026, 4:19pm ~
It's been more than six months since I worked on this site. Since then, I've become a Budget Coach for Habitat for Humanity's Monroe County, Indiana affiliate. What a rewarding experience it has been.
I've come back to this site re-invigorated, and with a new format in mind: tutorial. Less talk. More cowbell. Can't wait to unvail it!
MY GOAL IS TO LIFT PEOPLE OUT OF POVERTY
IT ISN'T ROCKET SCIENCE
There isn't anything about handling money responsibly that you won't be able to figure out on your own. Having said that, the method presented here has evolved over more than thirty years' continuous use. The early (1991) version would sometimes take up to 90 minutes per day to update. Today, I spend no more than two to five minutes every morning, and four to eight minutes every time a statement arrives, managing our money. I never wonder whether we'll have enough money to last until payday, or worry about paying a bill on time. It's been a game changer. The confidence that comes from knowing your finances are under control completely alters your outlook on everything. So although you could do it on your own, eventually, you might want to save yourself thirty years and use the method described here. If I knew how to program, I'd make an app. And maybe some day I will. But for now, I consider myself fortunate to be able to present it as a website.
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There isn't anything about handling money responsibly that you won't be able to figure out on your own. The only reason you might want to utilize this site is because it could save you thirty years.
If you think you might be interested, click here.
Type "Spend" in the subject line, and click "send".
I will send you a Workbook to upload to your Google account. If you have gmail, you already have a Google account. If not, you can get one here.
View the Workbook on your computer, tablet, or smart phone, 24/7, anywhere on the planet with a phone signal or internet connection.
The Workbook contains a set of tables and instructions. A mobile interface displays the information necessary to make prudent spending choices. Email me for clarification, or if you have questions.
An indepth discussion of the method and underlying principles may be found here
When you are ready to implement the program, contact me. We can meet via Zoom or FaceTime, at your convenience.
Do you sometimes have trouble making ends meet?
Do you feel like you work all the time and have nothing to show for it?
Do you ever wonder whether you'll have enough money to last until payday?
MONEY = OPPORTUNITY
The following pages explain how you can achieve financial security and a higher standard of living, in a more stable environment with less stress, more freedom, and a greater sense of accomplishment.
If you're ready to make changes, click next. If you want to know more, click more.