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. I can't wait to flesh it out.
Q1
Are you sixteen or older,
working and earning your own money
but still living with your parents?
R1/Y(I)
Excellent!
You are in the best possible position
to learn how to handle money responsibly.
Please proceed to Question 3.
R1/N(Q2)
Are you already out on your own and would
like to know how to manage your money better?
R2/Y-I
Excellent!
You are in the best possible position
to learn how to handle money responsibly.
Please proceed to Question 3.
R2/N-Q3
Are you already out on your own and would
like to know how to manage your money better?
3
Do you have a savings account
and a checking account?
3Y
Excellent!
Proceed to Question 4.
3N
You will need to open a savings account and a
(free) checking account at a convenient location.
Request a Debit Card and Personal Checks,
sign up for online banking, and download
your bank's mobile app to your phone.
4
Do you have a Debit Card and Personal Checks?
4Y
Excellent!
Proceed to Question 5.
4N
You will need to go to your bank and
request a Debit Card and Personal Checks.
Sign up for online banking, and download
your bank's mobile app to your phone.
5
Do you use online banking?
5Y
Good! Proceed to Step 6.
5N
To manage your money efficiently, you will
need to become familiar with online banking.
Click HERE to get started
6
Log on to online banking. Rename your
savings account "DEPOSITS", and your checking
account "Debit Card Purchases".
7
Log on to online banking (if not already logged on).
Add a second checking account, named "AutoPay/Ck".
Add two savings accounts, one named "AutoPay/Sa",
and the other named "Emergency Savings".
Congratulations!
Your bank account is configured for
efficient operation. Now let's talk about how to
Spend Your Way to a Better Life.
or,
MY GOAL IS TO LIFT PEOPLE OUT OF POVERTY
The method I use has been refined and improved over more than thirty years' continuous use. You can learn it in five months.
We can meet via Zoom or FaceTime, whichever you prefer. I will explain everything, and give you an exercise to complete. A week later we'll meet again. Then, once a month, for four months, with a sixth and final session, a week later. No one but you will be able to see your financial data.
Within fifteen days of your successful completion of the program, $100 will be credited to your account. Couples may earn up to $300.
IT ISN'T ROCKET SCIENCE
There's nothing about what I do that you couldn't figure out on your own, eventually. The only reason you might want to respond to this offer is because it could save you thirty years.
If you think you might be interested, click here; a "mailto" will open. Type "Spend" in the subject line, and click "send".
I will send you a Workbook to upload to your Google account. Register for a Google account here. If you have gmail, you already have a Google account.
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.