Imagine if you could start over with your relationship with money? Spend less on those shoes, invest a bit more in your child’s education, or even understand it all better? Imagine if you could start over and have a better relationship with it, one based on trust, communication and understanding (much like a working adult one), rather than fear and mistrust?
Imagine if, like starting a diet on Monday, after a weekend of binging and bad habits, you could do the same with money – begin afresh, with new habits and more thought?
If you could, would you? Would you find a way to make your relationship work, and realise your strengths and weaknesses to make things grow? Would you admit you’ve made mistakes, move on, and try better?
Well, this is what money manager 22 Seven is asking from people – to start over, and to find a way to improve things. At first, after seeing 22 Seven’s sky writing of the word “Sorry”, I didn’t really understand the campaign, and couldn’t figure out why exactly money would be apologising to me. After all, it’s me who is sometimes the abuser and mistruster of money.
And then I got this letter, and understood a bit more about their campaign:
How about it? Yes indeed. I’ve lost my way several times with money, and yes, I do want to get to know about it better. And yes, I want to know where I’ve gone wrong too, like using my credit card to buy shoes when I didn’t have the money, and not saving enough for a rainy – or any – day.
22 Seven wants everyone to start over, and rekindle their relationship with money, by using their money management tool. You can use it straight from the website, or download an app for iOS or Android.
To get the most out of 22seven, you need to link your accounts by entering login details, including passwords. The information is always encrypted and never seen by human eyes, and the developers have promised that they won’t sell your information, or spam you.
Once you can see all your money on 22 Seven, you can also see what you have and owe, and can borrow, plus you can see how much you spend on what every month.There are graphs and visuals, so you can easily access and understand the numbers.
You can also get an automatic budget based on your spending, which was an eye opener for me. Looking at my debit orders, which I don’t really pay attention to, I learnt that I’m spending money on a domain and site I no longer have, on Zinio and mag subscriptions I don’t read, and monthly audio books I don’t listen to. This all came to R550 a month, which I wouldn’t have known about otherwise, and I’ve thus I’ll thus save R6 600 without doing much other than cancelling these things. (I’d like to say I’ve just bought myself more than six pairs of Nike or Converse shoes, but I realise this is defeating the money management purpose).
Hopefully this is just the beginning of a new and happier long-term relationship. And who knows, maybe there will even be flowers, jewellery and good coffee in this relationship.