D×M: Goals & Money

D×M — Desire × Means. Put what you want on a Board, as photographs. Give D×M your numbers. It says, in plain words, what fits. Now on iPhone and iPad, in the same shape. Your Mac keeps the same numbers through your own iCloud, and one membership opens all of them. YOUR BOARD The things you want, as photographs. Find a picture, choose one of your own, or take one. Frame it the way you like. Give each want a price when you know it — no price is fine until you do. Keep them in collections you name. A Completed wall holds what you finished. TODAY Where you stand, in four covers: Available, Still owed, Going out, Coming in. Then the two things that matter this month: Plan this check, and Check in. The Inbox speaks first when it matters — your check is here, the month is waiting, your report is ready — and stays quiet otherwise. PLAN THIS CHECK On payday, D×M says what fits now, what is next, and what is not yet — and why, from your own numbers. You keep a floor that nothing touches. The rest goes toward the wall. CHECK IN, ONCE A MONTH Two minutes. Say what is in each account and what is left on each card. The month is kept, and never changed once it is over. YOUR REPORT Here’s your month: where you are, what changed since last month, and what to do next. Then “What I found” — the things D×M couldn’t work out this month, each with a door to the room where you fix it. THE ROOMS Accounts, Debt, Bills, Income, Net worth, Snapshots. Rough numbers are fine; change them any time. Debts in the order you choose. Bills grouped by when they are due. One honest number for what you are worth, and the months that got you there. LEO A lion who answers questions about your money — “Can I afford it?” — from the numbers already on your phone. Nothing you ask him is sent to a model. THE PERSON YOU LIVE WITH Share your D×M with one other person’s iPhone. They see your rooms, and you both can change them. It goes through iCloud, the way Photos and Notes share — no account, no email address asked. YOUR FILE STAYS YOURS File a bank statement (PDF or CSV): D×M reads it on your phone, and the file never goes anywhere. Export your months as a file you keep. App lock covers the screen with Face ID when you come back. WHAT D×M NEVER DOES • It never guesses. A figure it does not have is never shown as $0. • It never grades you. There is no number for how well you are doing — only your numbers. • It never colours your money to praise or scold you. A debt is not an emergency. • It never asks for a bank login, and there is no account to make. No server of ours holds your money. Your numbers live on your devices and in your own iCloud. MEMBERSHIP Everything is open to try, and your first month is yours to keep. To keep the months after it, D×M is a membership. New members get 2 weeks free through Apple, then it is $7.99 a month or $59.99 a year (two months free), renewing until you cancel. One membership opens your iPhone, iPad and Mac, and your family shares it. If you stop, everything stays yours: you can still open it, read it, and export it. Terms of Use: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ Privacy Policy: https://arringtonc.github.io/sdp-site/privacy.html