MONEY A User Guide
~ last updated June 17, 2026, 11:25am ~
SPEND YOUR WAY TO A BETTER LIFE
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!
ELIMINATING POVERTY
ONE FAMILY AT A TIME
IT ISN'T ROCKET SCIENCE
I've been budgeting since 1991. There isn't anything I do that you wouldn't be able to figure out on your own, eventually. The only reason you might want to learn how I do it is because it could save you thirty-five years.
TIME-TESTED
The method I currently use has been refined and improved through continuous use over a very long period of time. What used to take up to 90 minutes per day now takes no more than 2 to 5 minutes every morning and 4 to 8 minutes every time a statement arrives. Though due in part to advances in technology, that's not the only reason I am able to manage money so efficiently; account configuration and forms of payment are equally responsible for the increase in efficiency.
THE BIRDS-EYE VIEW
Income is deposited, then distributed among sub accounts where it is held until a payment or purchase is made.
THE BOTTOM LINE
Expenses are tracked, subtracted from income, and the result shows whether you are living within your means.
THE RESULT
I never stress over money any more; never wonder whether we'll have enough money to last until payday, or whether we'll be abke to pay a bill on time. I have all the information I need, at my fingertips, 24/7, to make informed spending decisions.
I have discovered an objective way to prioritize expenses, that returns the greatest amount of satisfaction possible, per dollar spent
GAME CHANGER
The confidence that comes from knowing our finances are under control completely alters our outlook on everything. I have long wnated to make the method I've developed available to anyone who wants it. If I knew how to program, I'd create an app. But for now, I'm having fun learning how to create a website.
Go to the next page
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.