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Where Does the Money Go?: Introducing a simple method for real-time, adaptable management of cash flow, expenses, savings, and debt | 
 enlarge | Author: Brian Schweitzer
Publisher: iUniverse, Inc.
Category: Book
List Price: $13.95
Buy New: $8.72
You Save: $5.23 (37%)
New (13) Used (5) from $8.68
Rating:  5 reviews
Sales Rank: 147659
Media: Paperback
Edition: 0
Pages: 115
Number Of Items: 1
Shipping Weight (lbs): 0.5
Dimensions (in): 8.8 x 5.9 x 0.5
ISBN: 0595441793
EAN: 9780595441792
ASIN: 0595441793
Publication Date: August 1, 2007
Availability: Usually ships in 1-2 business days
Shipping: International shipping available
Condition: Brand New. Delivery is usually 5 - 8 working days from order, International is by Royal Mail Airmail
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Product Description
Introduces a novel method for daily money management Presents an alternative to budgeting that features real-time adaptability and continual flexibility Improves awareness and control of finances Eliminates the surprise factor when receiving bills for credit cards or other debt Simplifies decision making regarding all purchases or expenses, whether planned or unplanned Provides the ability to instantly determine the impact of all purchases or expenses on your short and long-term financial picture Overcomes the challenges of budgeting, including the fact that budgets are updated only monthly, don t provide realtime adaptability, and are not adhered to for very long Provides one number with which to manage daily discretionary purchases and expenses Allows you to live comfortably in a lifestyle of spending based on your cash flow
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| Customer Reviews:
 Its All in the Way You Think About Spending December 3, 2008
Adella
When I was first read this book, I didn't get the uniqueness of the method and was looking for something more precise. But then I got it - it can't be that precise because everyone's money situation is different, even if you make the same income, in the same city, with the same size family, etc.
This method does require you to think ahead and track your spending to get in under control. You have to make changes to get out of debt if you are living above your means unless you get a windfall. But after you have a better view of where you are spending (and charging), you see the impact of all spending beyond "must" purchases. This helps you balance your lifestyle with your income.
By the way, this is not an entirely mental method as mentioned in a another review, but the mental part (the one number mindset) gives you a sense of how much flexible money you have at any time that is discretionary. The key is to prioritize spending and track it. Getting ahead financially is all in the way you manage your money.
Throw Away Your Budget October 22, 2008
Eric Ariman (Chicago, IL)
2 out of 2 found this review helpful
This book is making me think twice about my purchases, and is allowing me to set aside money for saving. Better method than typical budgeting sheets.
Money does matter ! June 3, 2008
Rae Lewis
2 out of 2 found this review helpful
Very timely approach to decide how to manage your money. Categorizes expenses in a simple way to understand and implement. The One Number Mindset will protect against unexpected expenses and solidify your spending. Take your current budget or create a new one, and apply this method and your money management will improve significantly. Great book for personal money management !!!!!
 Keep your budget in your head? May 9, 2008
Jim (Virginia USA)
1 out of 1 found this review helpful
I've done extensive searches for reading material in the area of personal financial budgeting and tracking "where the money goes". The description of this "book" by the author (self-published) leads you to beleive the 'Primary Number' method is inovative and the one solution you'll ever need to managing your way through allocating and managing your inflow.
Instead this is an explanation of some vague concept that's based on EXACTLY what a traditional buget will do for you. He says it's not a budget because they are inflexible and can't be adjused whereas this method can. What?
It's all about Must, Need and Can expense catagories and keeping track of a decrimenting number for Musts "forecasted" against inflows each month. You can keep track of it in your head! Give me a break. I don't imagine this would be practical for someone starting out with a first job and minimal real-world expenses, let alone responsibility for a full-blown couple-spending modern day family.
The further falicy in this is the chapter that's supposed to explain monthly maintenance of the method. Nothing comes through about the grind we all know is the number one reason a budget (same as One Number Mindset in the case of this "paper") fails. That's exactly where there a critical need for inovation. This author doesn't explain any method for tracking.
This is a 45 minute read; a paper rather than a book. Don't get duped into this one!
Simple and Useful December 27, 2007
Sam Greene
2 out of 2 found this review helpful
The book offers and innovative approach to daily money management, that makes you re-think how you manage your money. The prioritization process is unique and great! An example of the entire process with the forms filled out may have helped, but then again, you can sort of customize it to your needs. Its nice to have a unique approach to managing money.
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