Red and gold feathers

Creating beauty in personal finance manifesto found at bottom of page

Where’s the discussion of beauty and creativity in personal finance? So many industries, arguably all industries, depend and thrive on these two key values. So, why doesn’t it seem to exist in personal finance, and how can I build an application that I hope will be both creative and beautiful for an industry filled with people who would laugh at the thought of beauty and creativity being associated with what they do.

I know few persons who take delight in their personal finances, unless they’re taking delight in the masses of money they’re raking in, but that’s not exactly a good reason to be delighted in your finances. This leads me to question, even if it’s possible, do people WANT to think of beauty and creativity in finances? Can I do what Apple’s iPod (and soon iPhone) have done? While the average person probably couldn’t care less, people in the industry should, right? These values have to exist, but where, and how do I exemplify them in my application for the user (who at least unconsciously cares)?

Your finances are a snapshot of your life from a dollar perspective. Therefore, the only way for your finances to be creative and beautiful is if your life is both creative and beautiful, no? Although, even the creative aren’t inspired by the process of managing finances. So, the problem is as much a process problem as it potentially is a life problem. I don’t know the answers to every thing I’m questioning, but that’s part of the reason for this blog. It’s both an informational and educational tool for those interested as well as an exploratory experiment for myself.

As a person who wants (and needs) to be creative and make beautiful things, how do I start the conversation, if only with myself, and create the drive and desire as seen in this excellent post by Josh called How to be creative in architecture [originally found at: gapingvoid]? As Josh says about architecture, “It has become a commodity,” and that’s certainly true for finance. So, how does one break out of that commodity state of everything being alike and instead be something different and great as Josh prescribes in his manifesto? For that reason, even though I certainly haven’t figured it all out yet, I’m giving myself the challenge of writing my own Creating beauty in personal finance manifesto.

Creating beauty in personal finance manifesto

  1. Your financial picture is a dollar-by-dollar snapshot of your life. Your life, however, is not your finances.
  2. You ultimately decide the direction of your life. Direction and fulfillment cannot be obtained from money.
  3. Still, an understanding of your financial habits can help you understand and manage your life better.
  4. You don’t need to hire a professional to do that for you. Your life (and therefore your finances) isn’t rocket science (unless you’re a rocket scientist, in which case you can handle it).
  5. Every minute spent managing your finances takes two minutes away from your life, but that doesn’t mean you shouldn’t manage your own finances. Therefore, simplicity and ease are central to finding a balance.
  6. Simplicity doesn’t mean stupidity. Diversification can be a complex idea, but that shouldn’t stop you from using it in your finances and using it to create a simple financial picture.
  7. As in good writing, learn the rules before you break the rules. However, you can’t expect greatness if you only follow the rules. Start a business, travel to a country where you don’t know the language, make something that blows your mind, take risks or die!
  8. Boredom in life is as corrosive to growth as is boredom in finances. Black numbers on white paper (or screen) are boring. Relationships are exciting, therefore, your financial picture must have and define a relationship with your life.
  9. Beauty cannot be obtained if you don’t contemplate what beauty means to you.