As if the variability and disorder of income and expense figures were not enough to struggle with your entire life, there is the fact that we must do it while living in two different, mathematically incompatible worlds of man-made TIME ~ weeks and months.
We have 365 days a year that are divided into 12 months, but not evenly, as the amount of days in each month fluctuate all year long, and if you take that same year and divide it into nice, even 7 day weeks, it gives you 52 weeks ~ with an extra day left over (7 x 52 = 364). Go figure.
When we attempt to overlay those 52 weeks on top of those 12 months, you’ll find that approximately 4.33 weeks falls inside a month, but because the amount of days inside a month fluctuate, this fractional weekly amount varies each month too with some months actually containing 5 full weeks.
Together, these two independent worlds of time create mathematical chaos all year long.
2. One Foot in Each World
This problem come to light when your INCOME most likely arrives on a weekly or bi-weekly timeline while all your EXPENSES are due on the monthly timeline. The disorder and mathematical incompatibility of this incoming and outgoing cashflow guarantees a winding road ahead, or a road that’s NEVER THE SAME.
It’s why when you get paid at the beginning of one month, your car payment might be due in 6 days, then you get paid the beginning of the next month and your car payment is now due in 3 days, and then you get paid again at the beginning of the third month and your car payment is due ~ yesterday. It’s because you’re attempting to control your financial life with one foot in each world.
But to be clear, the problem is not just weeks and months ~ it’s again variability in general, and the winding road it forces us to maneuver as every, day, week and month hold a variety of new TIME and MONEY riddles for you to overcome.
You may be self employed and have no steady income figures or schedule. This makes for greater variability in your life and a greater need for it to be addressed.
Wouldn’t it be nice to overcome this disorder once and for all, and never have to deal with it again? Well you can.
3. You’re Not In Kansas Anymore
As you know now, MoneySlinger is built to discover your running averages over time in order for you to see through variability ~ and this insight changes all the rules of money management and opens up a whole new world.
What you thought you couldn’t do before, you can now, by acknowledging that the dynamics of your cashflow has changed dramatically at this point and understanding what it means.
If you recall from LEVEL 2, you’ve PREDETERMINED your total average FIXED and FLEXIBLE expenses for each month, and are now making dedicated deposits to cover all your expenses ~ for the month ahead.
This means again, you’re essentially PREPAYING all your expenses because you already know what they’re going to be, and you’ve already PREPAID yourself with “what’s left” as well, and so you already know what that’s going to be.
What does all this really mean? It means you’ve completely set yourself up financially for the month ahead. It means you’re in front of your cashflow.
It means ~ you’re really in control, with almost the snap of your fingers.
4. Both Feet in One World
With MoneySlinger, you’re now able to disconnect multiple worlds of “competing” time and buffer yourself from the incoming chaos and the natural disorder it constantly creates in your life.
Consider that since you’ve financially set yourself up for the month ahead, any income you receive during this same time period is not needed until the following month, which means whatever schedule(s) your income(s) may come in on ~ is irrelevant.
Consider again the empowered position you’re in. You can now hold new income to the side for a moment, and bring it into your life in a controlled, synchronized manner on any time schedule that benefits you the most.
What schedule might that be?
Well, if you’re already consolidating and averaging your expenses monthly, why not consolidate your time too by putting your INCOME SCHEDULE on the very same time schedule as your monthly EXPENSE SCHEDULE? Now you can bring money into your life and put it in its place ~ with one masterful stroke that will set you up financially again for the month ahead.
(Note that a monthly schedule is the most stable schedule all year long, as actual expenses are due on the very same DATE each month, regardless of what DAY of the week it is or even how many days in the month there are, and it stays the same year to year.)
Instead of stumbling though life struggling with financial disorder that’s infinitely variable and forever “out of time”, you’re CONSOLIDATING, AVERAGING and SYNCHRONIZING all your incoming and outgoing cashflow ~ “in time”.
It means your mental calculation and decision making has been reduced to a mere fraction of what it once was, while at the same time, giving you a profound sense of control and understanding you could never achieve before with traditional money management efforts.
Now that you understand what the goal of MoneySlinger is, and what MoneySlinger is working to do, it’s time to understand how to create your Master Plan.
….[MoneySlinger] is an amazing program, just as the original “B Word” was – and that program seriously changed my husband and my life around and we fully credit it as the reason we now are homeowners.
Mr. Roesner, On Memorial Day of this year  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.
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.
I am a former B-word user. In fact I am still limping along with a semblance of the methodology B-word taught me. Working the B-word way, and more, thinking the B-word way has been the most successful way of managing my finances of the many I have tried. I look forward to getting going again with a fresh renewed start. Thanks.
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.
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!
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.
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.
…I purchased your program last year and absolutely love it. I have really enjoyed the ease of use… –
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!
Thanks for your program! I’ve used it for six months now and it sure has helped!
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!
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
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
Thanks so much for a great, well thought out product!
Jeff J .
Have enjoyed using your product. Over 1 1/2 years of use and still going strong.