I have to tell you that we have found this program to be THE ANSWER to our budgeting woes! Your plan truly works well, and my wife and I are appreciative of it's simplicity. JOB WELL DONE! - Jonathon C.

Reading about your process helped me understand a completely different way to look at our finances. I ended up using your basic concept, but I created my own spreadsheets to manage our cash flow on a quarterly basis. It is SO much easier than what I had been doing. More importantly, it seems to work and my wife and I are at peace over money for the first time in the fourteen years we have been together.Thank you so much for taking the time to document your process and share it with us! It has had a dramatic impact on our lives. - Sincerely, Tony C.

Lee: The BWord has been fantastic. Budgeting for my "2nd year" was a breeze thanks to your program!  I'm making minor adjustments here and there. But that's the point, their minor.  I have placed bill-received and bill-due dates in the worksheet next to the name of the bill, as well as how the bill is paid.  Some are autopaid by Paytrust, some are autodrafted by my bank, some require access to their websites, etc. It's nice to have a place for these reminders. Thanks for providing such a great tool! - Denny H.

 I have been using the b word for the whole year with great success and ease. My time doing bills and budgeting has gone from unmanagable  to a few minutes two times a month. I love your system. -Scott D.

Your system put everything in perspective for me. - Pamella F.

I am one of those who have used Quicken, Microsoft Money, etc… by far, your program is the best I’ve used.  My husband just bought a local business, and I will implement the program there as well.  It is such a simple concept that works amazingly well.  I’ve saved more money using the Bword, than ever before…not just in late fees, but actual cash in a savings account.  Makes you wonder how many other things we do that are complex… that would be more efficient and effective, if we would just simplify things. Thanks for a great product, and for responding so quickly to get me back up and running.A B-word fan,Jessica W.

Of course, to the B Word! Love it. It has been a challenge to implement the whole process due to the [current] cash flow, but that is becoming simplified now, and what I could do, I did! And do! And love it! And use it for client cases. And tell others. And... I think you got the message that it is one of my favorite tools. - Wyndy P.

Thank you for a wonderful product. - Jean & Tony

I purchased your software about 2 years ago and love it. - Rick F.

2/28/06
My wife and I were one of those couples who seemed like we were always stressing out over the check-book. We would stand next to the computer and argue about where the money was going. I could never understand why we were always living paycheck to paycheck. This frustration has continued for the last 6 years. Last October, I felt compelled to do some research on the web concerning different types of budgets available. I am not one to re-invent the wheel. I actually tried several different ideas/software types. I didn't like the way they worked. They were just as frustrating as just winging it from month to month. I stumbled upon the B-word and found it an interesting concept. I bought the software and spent the initial time needed to set up my primary budget. I thought for sure that at the end of the next month, I would be saying...Please give me my money back. However, to my surprise my account balance has continued to grow. We pay our bills and save money every month. We know how much we have to spend and easily stay within those budget contraints. It's not tough and the best part is that before this software and concept, My wife and I were always paying God last and usually not very much. For the last 5 months we have payed both tithes and offerrings to the Lord in the amount of $700.00 month or more and it is as if it has no effect on our budget. It is hard to explain except that I am paying $700.00/mth to God and my account balance still grows. This software will help you to be a good steward to that which has been entrusted to you. Nick C. - Normon, OK

4/23/06
It has been so nice to not worry every payday. I am now on auto pilot and have time to concentrate on family and work. I am not stressed about paying bills, it takes care of itself. Thank you! Laura H. - AZ

6/25/06
I have used the plan myself for a few years (3 or 4) and it has saved my financial life. When I started thinking of things to recommend on my site, your plan was one of the first things that came to mind. Thanks for such a simple yet powerful program. Sherrie - Sherman, TX

8/8/06
Lee, I want to thank you for your cash flow system, the BWord. I thought I was pretty well organized financially, but your program has enabled me to account for income shortages and surpluses. I not only have a better method of tracking my income and expenses, I am able to save more by utilizing your recommended strategies. Once the system is in place, it really is much easier to control your budget and plan ahead.At first I was skeptical about the system and felt it was probably similar to the many other budget programs on the market. However, what truly impressed me was your availability when I had questions and your quick presonal response.Thanks again! Richard S. - Hinham, MA

3/7/0
8Hi Lee, I LOVE The B Word!! I’ve been using it for 2 years now and it has made money-managing ALMOST pleasant! Rebecca H - Newman, CA

8/2/08
BTW, we love the program and it has been the best budgeting system I have seen invented, and I am a business analyst for a living! James S. - San Antonio, TX

8/11/08
The system is so intuitive...it makes me feel like "why the hell didn't i think of that." Money used to be the biggest source of our stress. Every week we had to solve another cash flow issue. I mention your system to anyone who wants to listen. I actually feel sorry for the folks that don't make an effort to change the way they handle their money. They could make their lives so much easier if they just "got it." Anyway, i sound like a midnight infomercial. Michael M. - St. Louis, MO

5/10/10
Hi Lee, I have been using the B Word since 2005 and I absolutely love it! The B word makes managing my family's monthly expenses so much easier than any other program that I have tried. Kelly R.

Hi Lee, just an update on how we are doing with The B Word now that we have used it more than 1 month. We are doing great! :-) No overdraft this month...we are being more careful about our spending (though I think this is also because we are now taking cash for most of our day-to-day spending like groceries and our allowances...what the software calls the red acct.) and we are finding we have surplus, money leftover at the end of the month! Yahoo!! We are applying this surplus toward our debt so our debt balances are now starting to come down faster! We are looking forward to the day when we have no debts and can use this surplus for other things like travel. Even my husband, who rarely gets involved (but worries) with the budget is seeing the difference. In fact he pointed out the balance still in our checking acct and the fact that he has not seen any overdraft notice in the mail this month. :-)I am very glad I found your site and The B Word. I have recommended it to others and I know at least one person has purchased it. Thank you for your help! - Mary A.

Dear Lee, I wanted to thank you for a great budgeting tool. This system has definitely made my life much easier, faster and I even seem financially intelligent to my friends. This is my third year using the b word. I must say that I wasn't using it properly the first two years, due to my lack of understanding, not your system. Even so it still really helped me. A couple times a year I review and adjust the budget to make it fit our lives. I learn more each time and appreciate the b word more with each review. - Scott D.

I've used B-Word just about 2 1/2 years I guess and if I had to describe its benefit I'd say...it doesn't make us money-centered but it centers us on our money. I've recognized that in terms of money, "modesty" really is the best policy. Buy what you need, not just what you want. Thanks for contributing to making our lives better, best of luck in your future projects. I'll keep looking for product updates and spreading the gospel of "B" ; ) - Jamie P.

I purchased your B-Word earlier this year and have really found it to be very helpful in our monthly budget planning. Thanks for a simple and understandable product. David R. - Burke, VA

I've been a registered BWord user since about mid-2004 (I think) and I love it. What a difference it has made in our lives. You may recall that I'm the guy who only gets paid 4 times a year, so I had some questions for you early on about how to handle that. Thanks again for a great system!! Tony L. - CT

Dear Mr.Lee Roesner,Thank you for your email, and thank you for your simple and efficient program. I (actually my son) have downloaded the program and I have been reading and studying the program for the last two days. Today I finished the reading, and I will start to do the budgeting this afternoon. I really need this program, I have been trying to do the budget for many years, but always were beaten up by the "trees", and seldom see the whole "forest", that is why I gave up so many times. I think this time I can finally succeed, and get up, stand tall above the sea of money (hopefully direct them to where I want them to go, instead being dragged down into the deep sea! o:) .Thank you so much. Guijie W. - Okemos, MI

9/24/06
Hi Lee, I know you haven't heard from me for a while but the B Word has continued to serve my families budgeting needs very well over the past 1 year and 4 months. (In fact, the B Word has been one of the financial tools we have using that has enabled us to pay down over $12,000 in debts since May of 2005, the same month and year we purchased the B Word program.) Over that period of time I have told numerous of people about your fine program and even gave a speech about it last year as you may recall... Burle B. - Wylie, TX

We value your privacy.
You also have a 90 day
money back guarantee!!

$34.95

11/20/06
I purchased the BWord a few months ago in March. I love the program! Jerry B. - Westerville, OH

2/23/07
The first month I actually used your program to keep track of our cash flow was October or November of 2005. I can still remember that we actually saved $1100 that month! It was nice to be able to have a handle on where the money was going.Some months before I found your program I had purchased an outdated version of Microsoft Money for $5 on the intranet and used it for a couple of months, but I couldn't keep up with entering all the expenses and it fell by the wayside. Then I decided to see if there was anything else out there- the right tool for the job so to speak.I found a web site called Mvelopes and it looked pretty good. I got their free trial and liked it and was ready to sign up, but at the time they did not have the necessary electronic links set up for my bank, so I wasn't able to use it. (I'm kind of glad it worked out that way- Mvelopes charged a monthly or yearly fee and by now I would have spent several times the amount of money it cost to buy your program.)So I kept looking, and I found your web site. It took me a while to understand how to set up the accounts, but it eventually started to sink in. I did the upfront legwork that was required to figure out the average monthly expense for all the various categories, and set up a new account as you recommended for the every-month type of bills.Now sixteen months later, I can tell you that this bill pay account is still holding its own and I have never had to add any money to it beyond the original twice monthly deposits (I'm on a salary and get paid twice per month) that I originally calculated.It has really simplified things because all of the 800 pound gorillas like the mortgage, etc are no longer a factor when I try and figure out how much money we have left before the next payday. That is, I don't have to try and figure out if I need to subtract the car insurance payment or some other large monthly expense from the balance in our regular checking account before I can really know how much money is available.There are some things I did a little differently than you explained in your B Word documentation, and I think it simpified things even beyond what you had suggested. These small changes still stayed within the basic framework of your approach, it just made things a little easier. Sam B. - Lewiston, ID

10/6/08
I purchased "The B Word" as a download only option back in April of 2006, and have been using it happily ever since... I do thank you for your software, it has been working wonderfully for us ever since we purchased it, and it has made handling our bill sooo much easier. :-) Will S.

5/11/09
I bought the b-word download in the 1st week of January this year and loved it!  ...and then my computer completely died, taking the b-word files and everything else with it.  Note to self: back up anything on your computer that you value. Henry, W. -

5/18/09
I have used your system for years and have loved it. The B word program is a genius solution for budgeting, especially for someone like me whose income changes monthly. Thanks again! Bill L.

8/3/09
Thank you so much for the B-word. I have been using your software for almost three years now and what a difference it has made in our family's life. Money flows naturally and we worry so much less about the details. My husband and I are able to plan ahead. Barbara L. - Poughkeepsie, NY

8/19/09
I've been using The BWord now for the past 4 years (I think) with tremendous success. Looking forward to the new version. Best wishes, Brian S.

10/6/09
Thanks Lee. Great stuff. Look forward to the web version. You did a great job with this software and methodology. Appreciate it. Doug J.

8/28/08
For the 1st time in years I was able to get a handle on my budget in a few days.  It reallyhelped to break things down and open a second checking account.  It was worth the pricejust to be able to get a handle on my budget ( I was terrified to try to do one ).  I feel better than I have felt in sometime.  (Safer) comes to mind, because I will be planning ahead of car problems, dental work, and maintenance issues!  We never get a vacation, because I never have the extra money, now I will be able to go on at least one trip each year! Thank you again, Ann P. - Gainesville, F

2/9/06
I purchased The B Word 11/13/05. Let me first begin by thanking you for a truly simple yet powerful approach to budgeting. I'm still fine tuning ours but we are able to adjust to income fluctuations in a much more intelligent manner. I am a huge proponent of tools that give me the "freedom to forget" and find that my overall peace of mind and ability to enjoy life is greatly enhanced by tools like "The B Word." I have to say as well that this is the only electronic budgeting program that my wife understands and applauds; in fact her comment to me once we sat down together to take the tour and enter our data was "WOW, finally a program that works the way it should. When we were first married she handled the monthly bills in individual envelopes and put aside real cash in each envelope from each paycheck I brought home. The concept of the Blue, Red and Savings accounts were exactly what she related to and needed. We have established the recommended bank accounts in a bank that offers real time transaction updating and the ease with which we move money between accounts from home is incredible. Combined with an on-line bill pay service we have the most flexible, powerful and exacting experience with managing our finances anyone could have imagined. Thank-You! Rick E. - Chesapeake, VA

2/15/06
Hi, Lee, I hope you don't mind me calling you by your first name, I felt that you are a close friend now. I finished the first draft of my family's budget last Friday, and made some changes yesterday. Your program is so easy, and without the point something (ie.$1.25) like a BIG tail following the number, it is much clear to see the really big numbers ($1 is .25 after all!). The best is that it can automatically change by itself. I finally have a workalbe budget now, and I am very happy about it. Thank you.I have held myself from the impulsion to pay my bills when I got them, or to deposit the checks whenever I got them. I have checked the due dates for the bills 4 or 5 times, and can't believe that what you said can be true. It turned out that you are right, I can do the banking and paying the bills 2 times a month! My husband and I have 2 different banks for our personal accounts, and we are helping to manage a scholarship account to help Chinese poor students to go to school; and we have a small business account ourselves, so I used to go to the banks a lot, and very time consuming, cost the gasline, and tiring. Today, I mailed my bills, and went to my banks, and made some withdraws and deposites, and I still have a lot of time left, so I went home and took an half hour nap, refresh myself, and I felt relaxed and very happy about it. So I want to say thank you very much. I have to tell you how happy I am!By the way, because of your program, my accounts changed too (surely for better!), and it is so easy to see where the money goes now. My husband always asked "where did the money go?" Now, he will be pleased to see where did his hard earned money goes! Thanks again! Guijie W. - Okemos, MI

4/14/06
Great product, wonderful ideas. Brent M. - UT.

 4/4/07
I found your program just by searching "budget forms" on dogpile.com and have not been disappointed! My husband recently took a small cut in pay in order to work closer to home. We have never really budgeted (as we kind of just knew how much we could spend each month) but with his change in jobs, I decided to take a look at what we were spending and see where we could cut. My church started a finance class in February and we started working on our budget. I quickly saw that the way they were having us set it up and maintain it would take way too much of my time. They had the typical categories--housing, auto, etc. Most categories had some discretionary spending mixed with fixed spending. I am quite an outside the box thinker and kept telling my husband there had to be a better way to set this up. I tried to learn excel to put my categories into fixed, flexible and savings (similar to your system) but was spending way to much time trying to figure out how to use excel to set it up. I decided that someone else had to have already thought of a better, different way. Your site was the first I clicked on when I did my dogpile.com search--and I knew right away that the $35.00 for the program would be money well spent! We opened a 2nd checking account (a paperless account with ING direct) and all the fixed income is paid from that. Your system works great! I like how flexible it is. Very easy to remove a category (when you pay off a bill or discontinue that service) and very easy to know how much you have left to allocate. We are only into the first month of using it, but it is so easy I feel like I have been doing it for years!Thanks for making the program available. I have been telling all my friendsabout it. Susan W.- Butler, MO

4/9/07
Install TBW on my computer at home? The original installation is on my business laptop, but now my wife has seen it, she likes it and would like to use her computer. How should we do this? I like it well enough to just get another copy from you if that's what it takes. We have used it for a couple of months and I'm really happy with the results. We REALLY needed this to keep or finances straight without having to track every expenditure. That was the downfall of the other budget software(s) we tried. Jon K. - Camanche, IA

4/19/07
Thank you for sending the key code. I'm all good to go now. You asked me if my finances are streamlined now after using your system. Well... Yes, I used your system for 2 years and things were so good I didn't think I needed to keep track anymore. A year later and I've learned my lesson. But this time it has been very easy to get back on track. Thanks for such a terrific product. I plan to teach this system to my kids as they start earning money. ?Nicole L.- Edmonton, AB, Canada

8/15/07
I am happy to say that I love your budget plan. There is no other toolavailable that is actually useful in budgeting. I use quicken for mychecking account register. But the budgeting features there areuseless. Now, the bills get paid almost on autopilot. Every few months I pull upthe spreadsheet to tweak the numbers, or just to marvel at how easy itis to manage the finances. Bernard P. - Naugatuck, CT

8/19/09
Hey there, I am hoping that you can help me out of dilemma. My computer hard drive was cleaned off recently. In doing so we ended up with our bword budget on a disk. Now it wants a code and is calling our version a demo??? We have been customers for years and love this. We are loath to lose it all. Can you help?? Regards, Steve L - St.catharines, ON

3/19/10
I'm the long-time user of the B Word who needs to get back on the wagon!  I just sent an email to a friend of mine who was looking for a budgeting program, and found that you changed the name and so forth.  Thank you for your kind offer to send me the link, I would love to see the updated version and read the new PDF!  I have recommended your program to family and friends over the years.  Thanks again for providing an eye-opening way to deal with money. Best regards, Anna H.