Introduction

We've all done it. We look at our bank account one day and scratch our heads trying to figure out where all the money went. Do you want to have more control over your finances without spending hours every week maintaining a budget? Would you like to know where your money goes without having to collect and enter receipts?

If you implement the following Moolaplan strategies, you'll be empowered to eliminate debt and have a clearer picture of your financial future with a view towards a comfortable retirement. You should always have enough money to cover bills and we'll work towards converting your financial position from oweing a lot to owning a lot. And the best part? Once your Moolaplan is established it will take very little time and you can rest assured that your money is well managed... by yourself.

Humans are creatures of necessity.

Consider the difference between the 'haves' and the 'have nots' of our society. You rarely see a wealthy family living as if they have little money. You can see their wealth by how they dress, the house they live in and the car(s) they drive. Those who earn little money find that the lack of funds restricts them in what they can and can't do. However we, as humans, will ensure that the basic necessities such as food, shelter and clothing are catered for. It's the core of human survival.

The problem lies in that most humans are conditioned to use what we have - in this case money. If we have more money, we undoubtedly want to spend it, especially as our society commends those who display wealth. The more money we have the more we modify our lifestyle and mentality to accommodate spending the additional funds. More specifically:

One of the foundations of Moolaplan is established on a very basic principal:

Traditional budgets

Budgets are generally time consuming and retrospective in that they're usually reviewed at the end of a period when comparing what was planned to what has actually been spent. How is this information useful when it's only learned after it's too late? All you can do is give yourself a slap over the wrist and say "better luck next time" and hope that next month you will spend less. There is no structured plan in place that ensures that you are adhering to your budget every day. It usually involves the arduous task of religiously entering receipts and reviewing discouraging graphs of how much you've overspent. They tend to be the 'scalding parent' - making you feel guilty for overspending the budget. Unless you're reviewing your budget daily, budgeting rarely offers the benefits it promises.

Maybe you're familiar with a common budgeting pattern. When we start using a budget we'll kick off guns blazing with every intention of permanently altering our spending patterns. In the first month we follow the plan religiously. Time is consistently invested to track expenses and maybe even reconciling against bank accounts to identify missing expenses. After a month or so, the inital 'gusto' has worn off and life gets in the way. You opt to do the entering of receipts monthly rather than daily or weekly and maybe you weren't quite as religious about monitoring how much is being spent. At the end of the month, you realize you've gone over budget and feel bad about it. You promise yourself that you'll do better next month, but life continues and pressures keep pushing your financial priorities to the background. Another month goes by and, again, you feel discocuraged and guilty. You realize that you don't want to do this any more and argue with yourself that life was meant to be fun and you don't want to think so much about budgeting. Sound familiar? If so, you're not alone.

Moolaplan is different. It's automated and simple. You can leave it for months without looking at it, but it'll still be there chipping away in the background until you're ready to look at it again. If your balances aren't matching up, simply adjust them - no penalties! We understand that life happens and we firmly believe that your finances shouldn't control you - you should have complete control over your finances. We thoroughly believe in our product and what it can do for anyone who applies these basic principals.