I have a successful Graphic Design business
I’ve run for some 20+ years in northern Illinois just
outside Chicago. Here’s my Linkedin profile.
Way back in 1985 ~ I was tired of trying,
and succeeding, then failing, then trying again,
then failing, to keep control of our money.
Until one day, I finally stepped back
and asked the question…
Why is something so mundane, that I’m
doing over and over, that should be getting
easier, not getting any easier?
I was doing what you’re all doing now,
which is traditional money management.
Yes, even with today’s apps.
It’s still all traditional
money management methods,
Based on the very same process
and doing the very same math.
It’s a process, in hindsight,
where your money
is actually managing you.
I looked to find a way to get
our from under this burden, and
to “automate” this mundane process
of money management as close to
a one-button-click as I could.
And yes, this was before
computers or the internet.
But found out, after trying
many different ways – that I couldn’t.
Because I found out – you can’t.
Because You Can’t Automate
What’s Not the Same
This small bit of invisible
wisdom soon became very apparent.
I realized each day held a
different set of variables, as did
each week, as did each month.
Days in a month fluctuated, as
did weeks in each month, month to month.
Not only did incoming and outgoing
figures change each month, but the dates I received
income, floated randomly through each month,
while my expenses stood firm on their
monthly due dates all year long.
On top of that, I realized that one set of
financial variables over here (A), was
dependent and teetered on the outcome
of another set of financial variables
over here (B).
So, to make a decision regarding A
I first need to know B, and realized yet again,
that may depend on C…
And on and on and on.
I eventually realized how something
so mundane, and seemingly simple,
could be so complicated, time
Let Me Sum It Up
I realized then I had the burdensome
task of tracking all my MONEY,
by “chasing” its natural state of incoming
and outgoing disorder, in all
its detail, continuously and to the penny…
Over TIME, that has its own unique
natural state of random order and detail…
In an attempt to grasp some control
of each variable for a moment,
knowing it would dissolve into
disorder again shortly after my efforts…
In which some time later I would be required
to start the whole process over again.
And repeat this process again and again.
Which explains why this whole
thing is not getting any easier.
This Is Traditional
App or no app.
Internet or no internet.
Realizing now why I could not reach my goal
of automation using traditional money
management methods, only because it’s not the
goal of traditional money management
to solve the core “problem” on money management.
Only to deal the its symptoms.
So, I then set out to solve
“the root problem” – and I did.
Big party and celebration?
Truth be told, I had no idea what I had
accomplished for another 15 years.
I realized now, in hindsight,
our money management efforts
went nearly invisible.
We’re talking a few minutes a month
(no apps or computer).
It was no big deal
and our lives just went on.
No big fanfare…no cute name for this thing.
Without financial arguments,
common goal setting, and all the while
enjoying a FICO score
that hovered around 820.
When Two Worlds Clashed
So, 15 years later, still without a clue of
what we had and despite our success,
and now with a computer, there came a time to
dump this “little thing we did” for a
“professional” money management
After a few hours of set up,
all the traditional money management
nonsense that I was told to do
years ago…I was being told to do again.
It was the same exact thing
I was told to do some 15 years ago,
only now it’s on a computer!
It was still going to be laborious,
time consuming and would get us nowhere near
the level of control and oversight we were at.
It was quite an awakening actually
and asked myself how can this be?
Then Came the Realization
Even if I spent the unbearable man hours
required each month to “maintain” this traditional
money management system to perfection,
it could NEVER provide for us
the profound insight and control
we currently had over our finances.
But why? How?
At the time, I honestly wasn’t sure,
and so there was only one thing to do.
It was time to take very seriously what
I had only been doing all these years.
This required me to reverse engineer
what I had found some 15 years ago
to find out “how” and “why” this
little exercise worked so well.
We did, and over the years were asked
by many how we did what we did. At first we
passed out simple spreadsheets and instructions.
Shortly after I created its first incarnation
as a computer application called The B Word.
Today, MoneySlinger is the refined
version of this very technique today.
So Grab a Cup of Coffee,
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