Updated: July 5, 2010

FOR YEARS you’ve been playing by the rules. The financial professionals are telling you what to do and how to do it; your creditors are telling you how much they want and when they want it. You’re working, earning, paying, depositing, tracking, logging, calculating and planning.

But, regardless of how high (or how many and how far), you can jump over any financial demand or deadline put before you. You're putting in the time and you’ve got the hi-tech tools. Nothing will stop you from fighting the good fight for you and your family. You’re the master of your money no matter what it takes--and you’re damn proud of it.

Then one exhausted evening, a thought pops in your head: Am I being played the chump? Who's yelling jump and who's doing the jumping? Who's making the demands and who's required to meet those demands--without question and without exception, and without any consideration for my time and schedule? You are.

Who’s ready for MoneySlinger™?

MoneySlinger is for those who have been around the personal and family money management block a few times and are beginning to realize that they’re being totally manipulated by a multitude of independent, outside demands; demands that all have independent timelines, recurring schedules and fluctuating figures; and they’re all being imposed on you without a hint of consideration for your time, effort or schedule.

MoneySlinger is for those who realize that combating numerous, random demands is a lot like being up to bat in a batting cage, but instead of having one pitcher, there are numerous pitchers, each one unaware of the other, and each one throwing their own demands at you whenever they deem it appropriate.

And even more; some of what they throw at you, you know is coming--and some you don’t; some are important and some are not; and some are big and some are small. Regardless of what, when, how and why they’re being thrown at you, you’re realizing that you're responsible for always being ready. You must adjust your swing (money, time, schedule, effort) for each and every one of them--individually, and responsible for successfully making contact with every one of them---on time and every time.

We're not done. There's more; because your financial state is always shifting, you realize the fact that you can't even take the next few swings without continually re-assessing your current financial resources and liabilities after the last few swings.

MoneySlinger is for those who have come to realize that no matter how talented a batter you may have become, and regardless of what super-duper bat you may use, the burden of always maintaining a mental state of "knowing" and "readiness"--still puts you at the mercy of the pitcher(s)--and it's exhausting.

MoneySlinger is for those who, while proud they are fighting the good fight, are perhaps fed up being at the mercy of everyone else's independent financial demands, figures and timetables, and want to rid themselves from the "paralysis of analysis"....and looking for another way.

Here are a few questions to ask yourself.

What would my life be like if:

1. All my financial demands were reduced to three?
2. And those three demands always contained the same three figures?
3. And these same three figures only came two times per month?
4. And they even came on the same two days every month?

What if meeting these three "demands" were all that was required of me in order to flawlessly manage all my financial responsibilities?

Now think on this:

What would life be like if your entire financial management tasks were reduced to three fixed figures, that you managed twice a month--on the same 2 dates--every month?

1. You know exactly when they're coming
2. You know there's only three
3. You know exactly how much they'll be
4. You know exactly when they're due

Even better, what if:

1. You always know you have the money
2. You can pay them all three at once

Then the ultimate question becomes:

If the financial demands put upon me were so steady, consolidated and few, would I really need to maintain and swing such a big, complex bat in order to manage them?

No. You do not. And that's precisely the point.

MoneySlinger™ doesn't wonder about these questions; it's the standard modus operandi. Impossible? The creator of this system has been using this system for over 20 years, the benefits of which are a bit beyond a written explanation.

While everyone else is focused on how to improve the bat, MoneySlinger™ simply manipulates the pitches.

If you've read this far you may have realized now, the problem is not finding a more powerful bat. The problem is constantly being thrown random, highly variable financial demands, and the time and effort required to stay on top of those demands.

And as you're going to see, that's only part of the problem. There's more to this mess...

Weeks versus months?

As if random, individual financial demands and their detailed figures and calculations aren't enough of a headache, these two time lines might as well come from different planets. They are numerically incompatible with each other (other than starting and ending the year at the same time). In between, there is no harmony whatsoever. Together, they produce no consistent, synchronized pattern.

• Four weeks do not equal a month (there is 4.333333 weeks in a month)
• So every 2 weeks is not twice a month
• If you get paid every 2 weeks there are 26 pay periods per year
• But if you get paid twice a month there are 24 pay periods per year
• Let's not forget different months have different amounts of days
• Some expenses and/or income are on monthly schedules
• Some expenses and/or income are on weekly schedules
• Some expenses and/or income are on two-week schedules
• And let's not forget the ones that have no steady schedule at all

Here's just one little example of how these two overlapping timelines throw you off balance:

Let's say, you get paid every two weeks, and let's say your car payment is due at the end of the month. So, one month you might get paid sometime mid-month and your car payment might be due five days later.

The next month, you get paid mid-month again but your car payment now happens to be due the next day. Point being, not only are all your financial demands on independent time schedules, the time relationship (or lack thereof) of the money coming in and the money going out lacks any rhythm or pattern. It will always keep you guessing until you commit the time and mental energy to create some type of order out of this random chaos.

Now for many of you, this might be acceptable. Not in MoneySlinger.

And who's counting all the loose change?

As if the weeks and months relationship wasn't enough to confuse and distract you, the precise and detailed nature of numbers and calculations adds even another layer of complexity. It's understandable: you're earning and exchanging your labor for real money, and you're exchanging real money for services and products that effect the quality and future of your life. You want and need precise, down-to-the-penny calculations.

But when you're talking about estimating, budgeting and forecasting one's future on an annual basis--and then tracking your ultimate progress toward that future, do you really need to burden yourself every day with the complexity of tracking and counting every financial exchange you make down to the penny in order to successfully manage the "big picture" direction of your financial life?

While at first thought, combining and steering your financial life through the year using your actual bank account reconciliation tasks might seem like a good idea--you might think again. Your success then depends on you accounting and calculating, in infinite detail, every little bottle of anything you buy all year long (the more you track the better job you're doing--that's what you're told). In the scope of things, you're wasting your time with your loose change calculations and even accounting for your little bottles. They're meaningless and distracting.

Think about it. If you're rounding to the nearest dollar, the most you can be off on a monthly expense is plus or minus 50 cents. So worse case is 50 extra cents a month times 12 months is $6.00 a year. Is it worth the mental energy? Just think how simple things even "look" by eliminating the decimal point and 2 figures for every entry.

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How does MoneySlinger™ do it?

First, like finding any great solution to a problem, you must first correctly define the problem...which I think we just did. Did we not?

So we know MoneySlinger's objective is to not micro manage what amounts to random, financial chaos. We'll leave that to others. MoneySlinger's objective is to eliminate random financial chaos. So from now on, everyone will get their money but now it's by our rules: on our time schedule and our numbers.

We primarily do this by organizing and neutralizing incoming and outgoing variability and synchronizing timelines (we create our own), so financial demands are steady, consistent and few, regardless of your current cash flow situation. Not all that hard to do.

What tools and strategies does MoneySlinger use to reach its objective?

1. Consolidation of total annual income and total annual expenses.
2. Averaging of total annual income and total annual expenses.
3. Containment (the physical separation) of the actual money you're managing in separate groups.

While we could go on at length about these three things and how they interact with each other, here are a few basics:

A bit about consolidation
Planning and budgeting is about "big picture". Yes, we want to stay focused on the proverbial forest, and we're not so worried about the individual trees (hence losing the loose change for instance). But MoneySlinger strives for an even bigger picture by consolidating and totaling all your annual expenses into three primary categories that really matter: Fixed (you have no choice but to pay), Flexible (you can buy steak, a box of cereal, or buy nothing) and Savings (a longer term combination of the other two). Your annual income is also consolidated and averaged.

A bit about averaging and rounding
Averaging takes what is variable, random and uneven; combines them, and then determines a “middle”. For instance, averaging takes the twelve monthly expenditures of $34.67 + 56.34 + $18.08 + $21.32 + $34.36 + $75.46 + $5.28 + $26.12 + $14.33 + $65.36 + $34.67 + 56.34, which totals $442.33 and divides them by the total number of figures (which is 12 in this case).

That means the variability and detailed nature of fluctuating numbers and precise calculations that most people deal with everyday, can just as easily be expressed and managed as a rounded and averaged per month figure, as simple as $37 a month. Yep, $37. It's virtually the same $442 a year. Which would you find easier to manage each month for twelve months?

Now, in order to take full advantage of averaging and to see through financial chaos, MoneySlinger doesn't manage your finances one month at a time, and then you start over the next, and the next, and so on. Using MoneySlinger, your expenses are tracked and calculated as three "running averages" from January 1st through to the end of the year, and weighed against your three estimated averages in your annual budget. That's it...just three.

The result is you can calmly steer, accelerate or slow your lifestyle through the year based on the relationship of these three figures (actual vs budgeted). The ultimate benefit is your lifestyle decisions through the year stay connected and these decisions become acutely intuitive.

Continuously averaging your financial status (combined with consolidation and containment), over time, is far more revealing (and a lot less work) than micromanaging individual items using time lines that end and then start again each week or month (I fully understand you may not be able to appreciate the profound benefits of averaging--but you would if you experienced it as it's used in statistical analysis to identify your "mean" and "trends").

A bit about containment
While you may be paying out these detailed, fluctuating, fraction-of-a-dollar figures mentioned above, writing out the check is the easy part. Making sure you have the money for the payout and paying on time is actually 99% of the battle. Why? Again: because you have competing, fluctuating financial demands fighting for the same dollars and cents--on a multitude of incompatible, fluctuating time schedules (yes, it's every bit a moving target).

But, let's say, if you had an envelope (container), for instance, (and I'm sure most of you know the benefits of containing money in seperate envelopes), and you deposited the same $37 dollars a month into it that we calculated above for that expense; many of you know that even though you may be paying out figures above and below your fixed deposit figure each month for that expense, the container reserves the extra money when you under pay for when you over pay (relative to your deposit). So as long as your "average" payout doesn't exceed your "average" deposit...this system is low maintenance and works extremely well.

So what if we took this a bit farther and combined and totaled a group of expenses, and together we produced one larger, single, fixed monthly figure? And this figure would then represent your "average, total, monthly, financial responsibility". So instead of having many smaller, individual expenses with independent figures and timelines (and containers), you now have one fixed figure, in one fixed timeline, using one fixed container. Could you not just be concerned with maintaining that one deposit figure; the same deposit figure every time? And if you could, would you just "know" you can meet all our expenses--without doing endless calculations each month? You "know" because you're meeting your average costs and that money is kept physically separate from other money.

And simply put: if your total income, accumulated and averaged monthly throughout the year, is not meeting or exceeding your total averaged monthly expense figure, is there a problem with MoneySlinger? Or is MoneySlinger telling you simply and plainly what your problem is? Yes, you'll precisely know, with a fraction of the calculations you're using now: three figures, and right down to a single $1.

MoneySlinger makes good use of the benefits of containment (we don't use physical envelopes--you can use any containers you want), but supercharges it with the profound benefits of consolidation and averaging.

What do these three things add up to?

While, at first glance, these three things individually may not appear to be profound, the resulting experience is actually very profound. And when I say profound, I do not mean software wizardry, hopped up eye candy and bells and whistles (muscle and a bigger bat syndrome). Frankly, it's the opposite.

What's profound is MoneySlinger's sheer simplicity, effectiveness, and transparency. Often misunderstood.

You see, MoneySlinger's methodology doesn't require you to make it your new hobby. It doesn't grow over time into a behemoth that needs to be fed. To the contrary, after 60-90 days, your financial management responsibilities and tasks start moving to the background of your mind and your life.

They do so because they become steady, consistent and few and thus simple, repeatable, casual tasks. Money management becomes intuitive and transparent. With experience, you come to realize that the more you use MoneySlinger the less you need it, because it's not about this software. It's about your cash flow...and that's what MoneySlinger actually fixes.

Profound? You decide.

Where did MoneySlinger™ come from?

My name is Lee Roesner and I live in McHenry, IL. I created this system back in 1989. Like most "inventions", it was out of necessity.

After realizing a need to have some type of family cash flow system (wife crying at kitchen table), I hit the library trying to learn what I could in order to implement one. After studying up on the latest techniques (same old thing being taught today) and then trying to implement what I learned, I soon realized one thing: it was going to take me the same amount of time (if not more) to keep my cash flow in order, as it would if I just winged it and simply put out the fires as life went along.

I rather enjoy solving problems, and after some time trying these systems, I was wondering why it took such an extraordinary amount of time and energy to maintain an even minimal organizational state of such basic and mundane activities. I then decided to figure out why solving these entangled, little accounting tasks were consuming such a large portion of my valuable time so I could move on to other things?

After I identified the problems (fully explained above), I then developed a system that directly addressed the problems using pencil, paper and calculator and put it into practice. With some modifications here and there, I continued to inconspicuously use this system for 13 years, totally unaware of the effectiveness of what I created (evidence of how little you do).

Now, of course, over the same 13 years we would regularly hear all the financial struggles of family and friends, the TV news reports with other husbands and wives crying at the kitchen table all covered in bills, and Oprah finance specials with finance coaches. It seemed everyone else was having big problems...except us.

What makes this story interesting is, while at first you might think we had it in the bag, I believed that whole time we were ignoring our finances because financial management became nearly transparent in our life.

After all, we should be having as much trouble as everyone else. Should we not? I mean, there is an entire industry built around solving this problem. Is there not? Books. Software. With thousands and thousands of man hours invested into solving this problem. Is there not? So I continually had this feeling, while doing this little thing I do, that I was going to wake up one day in a boatload of financial trouble.

But during the same 13 years, we had a primo credit rating and a financial report that truly surprised every banker we talked to. And I mean surprised. If you could have seen their faces and heard their remarks (no exaggeration-one rep even ran a report twice because she thought something was wrong with the first one). After a while, this just became a joke with us. They'd usually asked how we did it and I would end up just casually mentioning this "little thing I do", and more often than not, I ended up sending the bank reps the spreadsheets for their personal use and forgot about it.

Then one day, I decided to face my financial realities and get serious about my finances. So I cast my little invention aside for one of the shiny new personal finance packages and spent a few hours "setting it up" when it all came back to me in a big gush: This is the same thing all over again...but this time it's on a computer and it's on steroids! Do people really do this? How? It would consume my life!

I realized, even if I finish setting this system up, the amount of time and energy required to maintain this system was unbelievable (especially based on what I was used to). On top of that, even if I did invest all the time and energy required to keep it maintained, it still would not even come close to keeping me in the clear, financial state of mind I was accustomed to.

So after 13 years of what I thought was piddling and avoidance--this moment in time was really a "scratch your head" moment. After all, 13 years is a fairly long period of near effortless success while being well into the 800's on our FICA score. It was obvious what I needed to do: Relearn what the hell I've been doing for 13 years and why it worked so well. So here it is...fully explained and documented...and proven again by others' successes.

So for those who are tired of playing by everyone
else's rules, and being at everyone else's mercy. For those who are beginning to feel like the chump and starting to question conventional wisdom. You might want to try something that cleanly and directly addresses the
difficulties of money management.

Remember: it's not a matter of working harder...
but working smarter.

Any questions? Feel free to email me:
info@moneyslinger.com

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4/2/10
I've been using your software for the past few years and I must say that it has become the cornerstone of my financial planning. Frank H.

I LOVE THE FREEDOM THIS PROGRAM GIVES!!!! I tell everyone about this program. And have even offered to help pay for part of it, for a family member. Thank You. Candi B. - Columbus, OH

My wife and I spent, most of two days, this weekend reorganizing our finances around "The B Word", and I'm thrilled. For the first time in many years, I have clear picture of where we are, and where we're headed financially. In fact, I expect this to be a "life changing" experience. For years, we've had just enough money, but could never "get ahead", or "get a handle" on what we could really afford, slipping "little by little" into credit card debt. Now the answer to the question, "can we afford it", becomes a simple "yes or no". Luther P. - Columbus, IN.

2/12/06
Hi Lee, Well, in two years time I’ve gone from total financial chaos to running our family’s finances like a well-oiled machine. Plus, over those two years I've written and deployed a lot of software, but nothing as simple and elegant as the B Word. It does exactly what I need and nothing more. Thanks, Mark B. - Arlington, VA

Kudos to you on your "The B-Word!" After only two sittings, order came from chaos as all of the ideas I have had about "averaging" (I originally called "leveling") found congruence and a home in "The B-Word". Your software even makes it enjoyable to spin the numbers with my wife! After spending literally 20+ years looking for a financial tool, I cannot express how excited I was that I found the "B-Word." I believe the combination of sound, uncomplicated and palatable logic with your well-thought-out software tool is a panacea for the ills and agonizing of others like myself that long to rid our lives of debt and vanquish "El-Budgeteo!" - Calvin W.

We just purchased the software and so far it looks pretty good. It is unique and does appear that it will simplify the process. In fact, it appears to be very, very 'doable' and seems to avoid the 'paralysis of analysis' !- Mark L.

I love the program.  In one evening, we totally set up our "proposed budget" on the budget worksheet. Very easy to use.  We are sure we will need to edit our plan as we work through the sessions and our spending habits become evident. - Rick D.

And a Whole Lot More
Testimonials here...

Yes, I have been using The B Word since February and I just LOVE it!  I cannot tell you how cool it is not to have to run my check to the bank to cover bills now!  The B Word has changed my life and is the best program I have ever used and believe me, I have bought many!- Laura G

I have been using the B-word now for a year. I have changed jobs once and my wife has changed jobs twice. It was great how little it actually affected my budget routine!- Gregg Y.

Thanks so much for a great, well thought out product!- Jeff J .

I have been using your program for several months and am thrilled to see how easy a budget can be!- Kathy C.

I purchased your B-Word book a couple of months back and feel much more in control of my finances. Doing the Budget Worksheet has opened my eyes to where my money is really going. My wife and I are now setting aside money every month for charity and vacations, and we've planned ahead for those foreseeable expenses like insurance and house taxes. That's an excellent system you thought up for handling ATM withdrawals. We'll add that to our arsenal. Thank you. - Rodney R.

The system works very well for me.  We have had no late payments (or the associated fees) since we started using it and always have money to pay the bills.  Very simple to use once you understand the basic concept.  With the help of your system, we have paid off four credit cards and bought a new vehicle without stressing about where the money would come from.  It is so much easier to use than the other financial packages (like Money) that a lot of times I don't feel like I am doing "enough" to be doing so well with our finances. Thanks for the great system. - Jennifer C.

...By the way, I'm all set to go with your B program. I'll let you know how everything goes. Already, I feel so much more at ease with our money situation. We always had enough to pay for everything (well, almost everything!) but I felt so out of control as to where the money was going each month. This is such a simple solution! - Dawn W.

I couldn't live without this program, wanted to thank you for creating the program. My husband has ADHD and what a mess our finances were until the B word.For once our bills get paid in a timely manner AND in full, and we have started saving and working on debt reduction. We are going to the Keys for vacation thanks to being able to plan easily ahead of time.My friends think my husband got a huge raise last year because now our finances are handled so much better. I have recommended your program to my friends. - Sincerely, Lynni M.

Thanks, Lee. Yes, actually, as I started adjusting the tracking spreadsheet, it all fell into place. I could see where expenses needed to be in order not to exceed the income I allocated for each session.I'm actually all setup and my wife and I are starting TODAY. Like I said, I've been managing our finances...with a lot of crying and agony :). Your system has confirmed what I have been thinking for years: "If I could just manage the income and outgo."Anyway, I really do thank you for such a great system. I'm very excited about starting my new financial life. - Regards, Jerret

It is so nice to deal with fair and good people. In just two days your program has open my eyes to many traps of other systems. As you stated, they become a weight around your neck, versus making your life easier. Gerald H. - Washington, DC

And a Whole Lot More
Testimonials here...

2/15/06
FYI – I’m using BWord faithfully and love it! 2x/month I pay the bills and update the spreadsheet and we already have almost $7k in savings and all the bills are paid (yes, with help from part of our income tax refund) but the budget seems to be working. No more entering in what felt like hundreds of entries from charge and checkbook receipts each month into Quicken. What a relief. Thank you again for sharing this terrific program with me. Cindy A - Indianapolis, IN

3/21/06
I want to tell you that I had previously tried Quicken, I have also used the software program from Managing Your Money and the Mvelopes system, as well as several other budgeting programs looking for something that I could not only use myself but also recommend to others in our ministry. As of this date we did not want to recommend any of those other programs because they seemed too detailed and time consuming ("focusing on the trees").When my wife and I discovered your program it was like a breath of fresh air! It is the best program I have ever seen in this area. In the period of 90 minutes we had all our accounts and tracking set up, and we now know instinctively right where we are at with our finances at all times. Seeing this "big picture" is what was missing with all those other programs. An added benefit is how little time it takes to complete our financial sessions twice a month. So now we have a far better handle on our finances, and I would like to thank you, Lee, very much for an excellent product." Mike - West Salem, OH

Unfortunately, my computer has crashed and I lost my download version of The B Word. I can't live without it. Can you help me to redownload it without having to repurchase it? I will be eternally thankful if you can help me resolve this terrifying absence of The B Word on my desktop! Maureen - Aloha, OR

7/29/06
Got it. Thanks so much. I really love The B Word! It is the absolute BEST way to get a handle on your money. Have a great weekend! Jill D. - Haymarket, VA

8/9/06
It's been working very well, thank you. Actually, that's an understatement. I have the money I need when I need it, and I don't have to spend a lot of time worrying about it. It's fantastic. Thanks Lee,Phil W. - Grayson, GA

8/10/06
Thank you for taking the time to consider my suggestions and for such a brilliant budgeting system. Kevin F. - Anaheim, CA

10/5/06
Hey there, I have been using B word for a few months now and LOVE IT. Matthew E.

10/18/06
Hello Lee, I love it!!! It has really helped us be able to pay off debt, allowing me to put my husband through grad school on a single income. Without it, I wouldn't have had the clarity or feel in control of our finances. As far as the new version - I didn't know there was one. I'd love to check it out. Thanks for your prompt response! A truly satisfied customer, Shephali F.

Don't forget these...

12/1/06
Hello Lee...I bought The BWord within the last two years, and started using it... great program! I was (and am) thrilled that someone finally took an 'eagle-eyes's" view of budgeting and provided a tool to those of us lacking in the OCD traits necessary to do the traditional budgeting... which never worked for me. SO much so that I had given up pretty much on budgeting until I found your software. Thanks, and Happy New Year!! Jesse W.Phoenix, Arizona

1/4/07
Thanks for your great product, so simple and workable. Karen H. - Wellman, IA

2/15/07
Thanks! I like the program. I've only been doing it for about 6 months. But - I now understand how it works and it free's my mind up! Chandra K. - St. Francis, MN

3/12/07
Lee-Thank you, it is all set up. My wife and I have been using the B-Word since our original purchase [9/05] and would not want to be without it at this point. It really is an elegant system. We extoll the virtues of your system whenever we get the chance and have made at least one convert so far. Best regards, Tom Z.-Verona, NJ

4/7/08
Hi Lee, I LOVE The B Word!!  I’ve been using it for 2 years now and it has made money-managing ALMOST pleasant! Thanks for a great product!! Rebecca H.- CA

7/31/09
Have enjoyed using your product. Over 1 1/2 years of use and still going strong. Steve

8/3/09
I have been using the B word since 2006 and love it.  I have recommended it to many of my friends.  My finances aren't perfect, but they are in much better shape than when I started thanks to your program, and I feel I am heading in the right direction. Stephen M.

Mr. Roesner, On Memorial Day of this yea[05] I purchased your B-Word program. I honestly feel it was one of the best purchases (or investments) I made this year. I was having to do a lot of transferring of funds between accounts especially towards the end of the month to make ends meet. This has virtually become a thing of the past! I have met with knowledgeable people in the area of finances over the years to discuss budgeting issues. The popular money management software available was way too complicated for me to use. The B-Word has been the perfect fit for my families budgeting needs. I have told a number of people about your fine program based on cash flow instead of simply tracking the expenses each month and trying to make them fit into preplanned slots. Your program just makes sense and is so easy to use. What a great tool! Thank you for making it available to the public on line. Burle B. - Wylie, TX

It's working great for us, the best system that we have ever used. We're just finishing our first six months with it, so we continue to tinker and fine-tune the system to work as easily as possible for us. You definitely see very quickly where the money goes! Now if there was just more money coming in... - Neil R.

Thanks for your program!  I've used it for six months now and it sure has helped! - Denny H.

In case you are interested to know, I am a fee-only investment advisor with twenty years of experience who manages about $150 Million for 70 or so retirees.  Thanks to excellent portfolio accounting software, I am able to balance approximately 140 investment accounts to-the-penny every day and then manage them.  I have also been using personal computers since Kaypro came out with a "portable" back in 1980 and I have written my own database and spreadsheet applications.  I am currently the CIO of our company. So, you can imagine my frustration at having tried to use Microsoft Money and Quicken for about 5 years now and being totally unable to make sense of either program.  Sure, I can get my accounts to reconcile, but for the life of me I can't make sense of how they calculate cash flow or budgets. I'm ready for a change and TBW makes more sense to me than anything else I saw on the Web. - Tony L.

...I purchased your program last year and absolutely love it. I have really enjoyed the ease of use... - John C.

P.S. I'm a big fan of 1.0 and was excited to see an updated Windows version. The B Word has made our lives so much easier! - David T.

OK, here's the deal. My finances were under "control," but they were driving me bonkers. I am self-employed and get paid very irregularly. I had learned early on to put all money when it came in into a "reservoir" account and dole it out to my checking account periodically. I knew what my expenses were and how to anticipate them. But the bookkeeping completely did me in. I compensated by compartmentalizing money. I put everything into separate accounts -- not haircut money, maybe, but almost that bad -- moving it in and out of checking whenever I had to pay a bill. I felt like a jigsaw puzzle.When I saw your web site I appreciated your emphasis on the rhythm issue, because that is important to me. So I was very interested in how you had solved the problem of keeping track of which money belonged to what anticipated expense.I don't use the system exactly as is. I pay bills when they come in, and I still take tax and savings money off the top of each payment and put them into separate accounts. But your description of the savings ledger got me out of the shell game of money shuffling, and I love the worksheets. They are great. I am very eager to see what improvements you have made. - Best, Eve

1/1/09
I see that you are in the process of upgrading your system.  I have used your system off and on for several years now. It is the best system I have ever seen.  I will be one of the first to buy the new upgraded system as I really loved the old one.  (Yep, I used it to plan costs of moving, newer cars and even to prove once to someone that they could live on what they made, all in a matter of moments.)  It is soooo much easier than other programs I have tried.  Anyway, thanks for the great program and I will be impatiently waiting for the “new” - C. Lewis

1/4/09
I have been using ‘the b word’ for about 5 years and really love how it has helped me streamline my home financing from day one. I wonder if you offer an affiliate program for this product. I am about to promote (to family and friends) some personal finance services and would love to promote your product as well. D. Hughes

1/1/10
I see that you are in the process of upgrading your system.  I have used your system off and on for several years now. It is the best system I have ever seen. Unfortunately our computer crashed and I lost the system.  I will be one of the first to buy the new upgraded system as I really loved the old one.  (Yep, I used it to plan costs of moving, newer cars and even to prove once to someone that they could live on what they made, all in a matter of moments.)  It is soooo much easier than other programs I have tried.  Anyway, thanks for the great program and I will be impatiently waiting for the “new”  C. Lewis

2/1/10
Thanks Lee! Everything is fine now…Keep up the great work that you do on this program. It has made a great impact on my relationship because my wife and I never have to really talk about our finances. We sit down once a month and we both know exactly where we are financially. What a relief it has been! Thanks again!

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