MONEY A User Guide

~ last updated June 17, 2026, 11:25am ~

SPEND YOUR WAY TO A BETTER LIFE

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. The only reason you might want to copy the example presented here is because it could save you thirty-five years.

TIME-TESTED

The method I 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.

TIME-SAVING

Technological advances are not the only thing responsible for the increase in efficiency; proper Account Configuration and prescribed Forms of Payment are equally responsible.

THE BIRDS-EYE VIEW

Here's how it works: Income is deposited, then distributed among Sub accounts where it is held until a Payment or Purchase is made.

THE BASICS

When you Spend Less Than You Earn and Save In Advance for the expenditures you plan to make, prosperity follows.

THE BOTTOM LINE

Expenses are tracked, subtracted from Income, and the result shows whether you are living within your means.

THE RESULT

We never stress over money, never wonder whether we'll have enough to last until payday, or whether we'll be able to pay a bill on time. All the information we need to make prudent spending choices is just a finger-tap away, 24/7, anywhere on the planet with a phone or internet connection.

PRIORITY

Taking a page from Malsolw's playbook provides an objective means of prioritizing expenses that assures the greatest amount of satisfaction possible in return for every dollar spent.

GAME CHANGER

The confidence that comes from knowing our finances are under control completely alters our outlook on everything.

PAY IT FORWARD

My objective is to make this method available free of charge to anyone who wants it. If I knew how to program, I'd create an app. But for now, I'm happy to offer this website.

NEXT STEP

When you're ready to learn how to manage your money responsibly and efficiently,
go to the next page

A basic tenet of this program to never use cash for Expenses. Cash expenditures are too hard to track and cannot be automated. The only thing you should use cash for is to help someone in need.

FORMS OF PAYMENT

By using the form of payment appropraiate to the situation, every phase of the money management process can be automated.

PHASE 1: DEPOSITS

By arranging for Direct-deposit of your income, you set in motion a chain of actions that require no effort; no time, no gas, no energy. With Digital Banking, your money is apt to be available the moment your employer notifies the bank of its impending arrival (my income is typically available two days before payday).

PHASE 2: EXPENSES

By using the Form of Payment appropriate to the Type of Expense, you outsource the Tracking to the banks and credit card companies. If you have ever tried to track expenses, you know how time-consuming it can be, and how error-prone. If the banks and credit card companies are willing to do the grunt work, let 'em.

PHASE 3: PAYMENTS

The first.

Within fifteen days of your successful completion of the program, $100 will be credited to your account. Couples may earn up to $300.

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?