blogPg18_Epilog.html Make Ends Meet (day2)



End the course on a positive, encouraging note. You've equipped your student! They're about to change their life! Throw in some success stories, give your final piece of advice, and wish them the best of luck.

If you're writing the blog as a puzzle in a larger plan (like you're also offering a course or an ebook), don't forget to use the end of your book to funnel clients to the next place you want them to be.

In the Introduction I scratched the surface of how the cards got stacked against the common man. It didn't happen overnight. Very gradually, calculating corporate interests pushed Democracy out of reach for most Americans. Since 1990, while median wages have increased 34%, the cost of living has gone up 130%!

For the salaried employee and the hourly-wage earner, 30 years of working for the Man earned them the right to a lower standard of living than they had when they hired on. It wasn't obvious, because technological advances created the illusion that things were getting better. And in some respects it's true. But only with 20-20 hindsight does it become apparent that the disparity between the two indices accrued to the rich. I know you don't want to hear this. But I'm trying to save you thirty years.

The non-capitalist has been stripped of representation in government by the three events that put Democracy in a stranglehold. S/he no longer has any influence. The only way for the salaried employee and the hourly-wage earner to win is not to play. Absent their participation, capitalists will have no alternative but to feed on each other: End-stage Capitalism.

Ad hoc committees are the only remaining form of democracy available. What will be the next iteration - flash mobs? Honestly. I don't know why the 99% hasn't already taken the 1% out. I'm hoping it doesn't come to that. I'm hoping the common man will simply opt out of this current perversion of the American Dream, and establish a counter-economy. I don't know what form that might take, but I suspect it will eschew debt. Maybe it will be a tit-for-tat economy. I'd like to see the government try to tax people for helping each other.




HOW TO BUDGET has shown you how to get control of your finances and live within your means. It is part of a larger work that incorporates online banking and credit card features to automate transfers, payments, and bookkeeping, and a mobile interface that provides access to the information you need to make sound spending decisions anywhere, anytime, 24/7. When you are ready to take personal financial management to the next level, go to for more information.

(From xDollar:)
You'll love having control over my finances, and I know you will too. It is liberating. You will be more relaxed and able to enjoy life, able to make ends meet. Short of inheriting money, there is no quick fix when it comes to reversing financial (mis)fortunes. It takes grit and determination to turn that situation around. But things will improve every day when you know how to Make Ends Meet the Dollar Stretcher Way.

(From HOW TO:)
The escape velocity of imagination exceeds the gravitational pull of circumstance -

The forthcoming Volume, HomeCFO, a supplement that takes budgeting to the next level, is something you may want to look into if you are comfortable with budgeting and find the present volume of value.

HomeCFO takes budgeting to the next level, incorporating Online Banking, instructions for mapping your bank account to your expenses list, making it possible to automate the processes involved (allocation, cash flow, payments), Purchases, how to use different forms of payment to automatically generate an viable substitute for bookkeeping (if the credit card companies are willing to do the grunt work, let ‘em), and a tool called the Comptroller, an instrument panel, available across all your cloud-connected devices, providing 24/7 access, to all you need to know in order to make informed spending decisions.

HomeCFO takes HOW TO BUDGET to the next level

About the Author



Dollar Stretcher








Who Writes It?

I have been budgeting for more than thirty years. Life experience, an occasional flash of insight, and tremendous advances in technology have transformed what began as an ordinary household budget into a comprehensive, effective, efficient way to handle money responsibly - one that enabled our family to improve our standard of living, even on a sub-median income.

I have no background or experience in banking or management - just three decades of doing what anybody else with an affinity for spreadsheets and a semester of Algebra would be able to do. The only reason you might want to take my advice is because it could save you thirty years.

There's plenty of information available on how to manage one's money, and over the years I have read my fair share of it. Surprisingly, nowhere in any of it have I found any practical advice whatsoever on how to prioritize expenses or streamline the process. This blog fills that void.

In the exercises that follow, I share the tools I have developed and use to manage my own finances. Since we are all bound by the same rules when it comes to economics, there's no reason to think that what worked for me won't work for you.

In How To Make Ends Meet, each step is represented visually, illustrating the link between action and result. HomeCFO takes it to the next level, using common online banking and credit card features to eliminate the bookkeeping. Working drafts of both classes are posted on this blog

is devoted to helping people make ends meet. It is a work in progress. So, if it's not polished enough, or the navigation doesn't line up, you may want to bookmark it for later. If you're pulling down a middle-class or lower income, information posted here could have a profoundly positive affect on your life.

Knowing how to handle money responsibly is key to financial security. Every aspect of handling money responsibly is covered here, from spending less than you earn and saving in advance, to outsourcing the busy work to your bank and credit card companies, so you can concentrate on spending your way to a better life.


Establish the pain points the class helps to solve, and how I, someone the reader doesn't know, can help.



Tell people WHY I want to write this class - that this is a problem I have already struggle with, and solved. I went through something, learned from it, and moved forward after overcoming that obstacle, and feel inclined to help others struggling with the same issue.


I have been budgeting for more than thirty years. The system I use today is a culmination of more than thirty years' experience.

Who Is It For?

Anyone wishing to gain better control over their finances can do so by following the advice on this blog. Those who stand to benefit most are high-school students who have begun working and earning money, but still live with their parents. With no debt to speak of, few financial obligations if any, and no fixed spending behaviors to unlearn, the methods used here will be easy to implement. Next to benefit most are young adults who have already assumed full financial responsibility for themselves, and are looking to establish their independence. They, too, will also find these methods easy to adopt.

The earlier one begins handling money responsibly, the better. Doing otherwise, and doing it habitually, creates problems that are difficult to overcome. The longer one goes on in this way, the longer it takes to turn things around. But regardless, if you want to gain better control over your finances, you'll find this blog a valuable resource. No experience required. All you need is a source of income and the tables found in this guide. The sooner you begin handling money responsibly, the sooner you can retire in comfort.


Resorting to credit cards to see you through rough times is never a good idea. If you're unable to make ends meet, your only choices are to increase income or reduce expenses. Or both. The only way out is through.

TO THE PROCESS - The rest of the course is walking the student through the process. Each Lesson should be dedicated to explaining a step of the solution, in great detail with examples.


People will research a topic either because they already know a little about it, or have an interest in it. Nevertheless, the class assumes the student is starting with no knowledge so I can provide the full spectrum of context needed to digest the information.

What happens if they don't make ends meet?

What do they stand to lose?

How does it impact other parts of their life?

What does a complete novice need to know? Introduce the concept and stoke the pain. Show them that they have a problem, and assure them that I have a solution, that I am an expert on the topic, and explain why I created the course.

I spend no more than two to five minutes every morning, managing the finances, and five to ten minutes whenever a statement arrives. By following the routines, the time required to managing your money is held to a minimum. By targeting your pre-eminent need with each expenditure, you obtain the highest degree of satisfaction per dollar spent. You literally  spend  your way to a better life.

Your title and cover will make most of your book sales for you, so definitely invest the time a money to come up with some killer front matter.

COVER: a white life preserver with red stripes (lettered, "MONEY: A User Guide", or, "SPEND YOUR WAY TO A BETTER LIFE"), on a rope, thrown from above, against a blue sky.

CONSIDER ADDING HOMEWORK - Give the reader actionable plans. This can be more conducive to lessons sticking, plus it will put your content in a hands-on context, making it easier to comprehend. Telling a reader why they should do something is great, but showing them by giving them assignments to perform on their own can help them see the difference your advice will make on their lives.

My homework is the tables to be filled in.




Being financially independent frees you to shape your own destiny.

Stringard Richfellow

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