[{"data":1,"prerenderedAt":466},["ShallowReactive",2],{"content-/work/moneydo":3,"project-posts-/work/moneydo":67,"content-query-QsqPWY3Nar":439},{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"icon":10,"screenshot":11,"cover":12,"url":13,"status":14,"roles":15,"date":19,"stack":20,"body":26,"_type":61,"_id":62,"_source":63,"_file":64,"_stem":65,"_extension":66},"/work/moneydo","work",false,"","Money Do","Mindful budgeting with the Kakeibo method","https://moneydo.vip/icon.svg","/img/projects/moneydo.png","/img/moneydo.png","https://moneydo.vip/","launched",[16,17,18],"Code","Design","Concept","2020-04-29",[21,22,23,24,25],"TailwindCSS","Nuxtjs","Firebase","Vue-Composition-Api","Netlify",{"type":27,"children":28,"toc":58},"root",[29,37,48],{"type":30,"tag":31,"props":32,"children":33},"element","p",{},[34],{"type":35,"value":36},"text","MoneyDo is a personal budgeting app built around the Japanese Kakeibo method — \"your budget in a mindful and simple way.\" It helps users plan a monthly budget, derive a daily spending limit, and track expenses without spreadsheet fatigue.",{"type":30,"tag":31,"props":38,"children":39},{},[40,46],{"type":30,"tag":41,"props":42,"children":43},"strong",{},[44],{"type":35,"value":45},"Problem:",{"type":35,"value":47}," Most budgeting apps are complex and overwhelming. People need a simple, mindful way to manage personal finances that answers the everyday question — \"how much can I spend today?\" — without heavy tooling.",{"type":30,"tag":31,"props":49,"children":50},{},[51,56],{"type":30,"tag":41,"props":52,"children":53},{},[54],{"type":35,"value":55},"Solution:",{"type":35,"value":57}," A clean web app organised around four moves: plan your budget, adjust it anytime, get a daily budget, and track expenses as they happen. Built on Firebase for real-time syncing across devices, it turns short-term daily decisions, mid-term goals, and long-term saving strategies into something approachable.",{"title":7,"searchDepth":59,"depth":59,"links":60},4,[],"markdown","content:work:moneydo.md","content","work/moneydo.md","work/moneydo","md",[68,242],{"_path":69,"_dir":70,"_draft":6,"_partial":6,"_locale":7,"title":71,"description":72,"hidden":73,"date":74,"image":75,"heroImage":73,"language":76,"telegram":77,"category":78,"tags":79,"body":83,"_type":61,"_id":239,"_source":63,"_file":240,"_stem":241,"_extension":66},"/blog/2026-05-08-money-is-influence-en","blog","Money Is Just Crystallized Influence — and Influence Is Just Clarity of Vision","Money is downstream of vision-clarity. Chasing money directly is like chasing fame — it's the symptom, not the cause. Here's the chain in plain terms.",true,"2026-05-08","/images/blog/2026-05-08-money-is-influence/hero.png","en","https://t.me/razbakov","Building in Public",[80,81,82],"Money","Influence","Vision",{"type":27,"children":84,"toc":237},[85,90,95,100,105,110,115,120,130,140,165,175,180,185,190,195,200,205,210,222,227,232],{"type":30,"tag":31,"props":86,"children":87},{},[88],{"type":35,"value":89},"Money is not paper. Money is frozen \"yes\".",{"type":30,"tag":31,"props":91,"children":92},{},[93],{"type":35,"value":94},"Every euro you hold is a yes that someone, somewhere, said. They handed you their attention, their hour, their agreement, and the bank gave you a token to remember it by. The token is portable. The yes is what's actually inside.",{"type":30,"tag":31,"props":96,"children":97},{},[98],{"type":35,"value":99},"I keep thinking about this because I run a portfolio of projects — a dance platform, a TV channel, a science evening, a coaching site, a few others. Some pull money in. Some don't. The ones that pull money in are not the ones with the cleverest tech or the prettiest landing page. They are the ones where I can say what I'm doing in one breath and a stranger can tell me back what I just said.",{"type":30,"tag":31,"props":101,"children":102},{},[103],{"type":35,"value":104},"That's the whole game. That's it.",{"type":30,"tag":31,"props":106,"children":107},{},[108],{"type":35,"value":109},"If I cannot explain what a project is in a sentence, nobody can repeat it for me. If nobody can repeat it for me, no one tells their friend. If no one tells their friend, the project sits in a tab somewhere and starves. No amount of ads fixes a project that can't be repeated.",{"type":30,"tag":31,"props":111,"children":112},{},[113],{"type":35,"value":114},"So here's the chain as I see it: vision-clarity → simple words → trust → people delegate decisions to you → that delegation is what we call influence → and money is just the part of influence that fits in a wallet.",{"type":30,"tag":31,"props":116,"children":117},{},[118],{"type":35,"value":119},"Let me walk it backwards because that's the order people usually ask about it.",{"type":30,"tag":31,"props":121,"children":122},{},[123,128],{"type":30,"tag":41,"props":124,"children":125},{},[126],{"type":35,"value":127},"Money.",{"type":35,"value":129}," When someone gives you money they are giving you the right to act on their behalf. They are saying: spend this on what you said you'd spend it on. A festival ticket is the buyer telling me, \"Go book the venue, hire the DJ, do the thing — I trust the room you'll build.\" A donation to an open-source project is the same shape: do the thing, I won't audit it. Money is delegated authority with a price tag.",{"type":30,"tag":31,"props":131,"children":132},{},[133,138],{"type":30,"tag":41,"props":134,"children":135},{},[136],{"type":35,"value":137},"Influence.",{"type":35,"value":139}," That's the same delegation, before it crystallizes into a transaction. A friend asks where to dance on Saturday and listens to your answer — you have influence over their evening. A founder asks what stack to pick and goes with your suggestion — you have influence over their next year. Influence is the size of the \"yes\" you can ask for and get. Money is one specific shape of yes.",{"type":30,"tag":31,"props":141,"children":142},{},[143,148,150,156,158,163],{"type":30,"tag":41,"props":144,"children":145},{},[146],{"type":35,"value":147},"Trust.",{"type":35,"value":149}," People delegate to you when they trust both your ",{"type":30,"tag":151,"props":152,"children":153},"em",{},[154],{"type":35,"value":155},"competence",{"type":35,"value":157}," (you'll do what you said) and your ",{"type":30,"tag":151,"props":159,"children":160},{},[161],{"type":35,"value":162},"values",{"type":35,"value":164}," (what you'll do is something they'd do themselves). One without the other doesn't compound. A skilled manipulator gets a sale and loses the relationship. A kind person without follow-through gets sympathy and no second meeting. Both have to be there. Trust is the boring word for \"I can outsource a decision to this person and not look over their shoulder.\"",{"type":30,"tag":31,"props":166,"children":167},{},[168,173],{"type":30,"tag":41,"props":169,"children":170},{},[171],{"type":35,"value":172},"Clarity of vision.",{"type":35,"value":174}," Trust grows fastest where the picture is sharp. If I tell you \"I want to make Munich the dance capital of Europe\" and you can see the city in your head — the parks at sunset, the salsa nights, the festival in the Olympic Park — you can decide in two seconds whether you want to be in that picture. If instead I say \"we're a community-focused multi-sided platform leveraging network effects in the social movement vertical\", you have to decode for thirty seconds before you can even begin to feel anything. By the time you've decoded, ten other things have grabbed your attention and the moment is gone.",{"type":30,"tag":31,"props":176,"children":177},{},[178],{"type":35,"value":179},"Sharpness is the rate-limiter on everything downstream.",{"type":30,"tag":31,"props":181,"children":182},{},[183],{"type":35,"value":184},"Now look at what this implies, because it's the part that took me a while to swallow. Chasing money directly is chasing the wrong end of the chain. It's like trying to make yourself famous by demanding attention — you can briefly, and people will pull away. The same with money: you can extract a quick transaction by being clever about a checkout flow, and the next quarter you'll be doing it again from zero, because nothing accumulated. Nobody's running around telling their friend about the clever checkout.",{"type":30,"tag":31,"props":186,"children":187},{},[188],{"type":35,"value":189},"Whereas if you build clarity, articulate it simply, and demonstrate over years that you do what you say — the asks get bigger on their own. First someone gives you twenty minutes. Then they give you twenty euros. Then they give you a thousand and tell you to figure it out, because they trust the room you'll build with it. The size of the yes scales with the sharpness of the picture and the consistency of your follow-through. You don't have to push.",{"type":30,"tag":31,"props":191,"children":192},{},[193],{"type":35,"value":194},"The honest test for whether your vision is sharp enough is brutally cheap. Tell it to a stranger, in one sentence, with no jargon. Then stop talking. Watch their face.",{"type":30,"tag":31,"props":196,"children":197},{},[198],{"type":35,"value":199},"Three things can happen.",{"type":30,"tag":31,"props":201,"children":202},{},[203],{"type":35,"value":204},"One: their eyes light up and they ask a question. The picture landed. They're inside it now. You're done.",{"type":30,"tag":31,"props":206,"children":207},{},[208],{"type":35,"value":209},"Two: they nod politely and change the subject. The picture didn't land. They couldn't see it, so they couldn't get curious about it. The fault is yours, not theirs — go simplify.",{"type":30,"tag":31,"props":211,"children":212},{},[213,215,220],{"type":35,"value":214},"Three: they repeat your sentence back at you, in their own words, and it's ",{"type":30,"tag":151,"props":216,"children":217},{},[218],{"type":35,"value":219},"better",{"type":35,"value":221}," than what you said. Save those words. Use those words tomorrow. They just did your copywriting for free.",{"type":30,"tag":31,"props":223,"children":224},{},[225],{"type":35,"value":226},"I do this constantly with people I just met. Strangers on a train, the person next to me at a bar, somebody's cousin at a dinner. Not as a sales move — as a calibration tool. The blank politeness in scenario two is the most useful feedback I get all month, because it's the version everyone is too kind to give me when they know me.",{"type":30,"tag":31,"props":228,"children":229},{},[230],{"type":35,"value":231},"So when I'm tempted to spend a week tweaking pricing, or running ads, or designing a new logo to \"unlock growth\" — I try to catch myself and ask the smaller, harder question. Can a stranger repeat what I do, in their own words, after one sentence? If no, no amount of pricing-tweaking is going to save it. If yes, the pricing will probably take care of itself.",{"type":30,"tag":31,"props":233,"children":234},{},[235],{"type":35,"value":236},"Money is just the receipt. The thing that prints the receipt is a clear sentence and the patience to keep being the person who said it.",{"title":7,"searchDepth":59,"depth":59,"links":238},[],"content:blog:2026-05-08-money-is-influence-en.md","blog/2026-05-08-money-is-influence-en.md","blog/2026-05-08-money-is-influence-en",{"_path":243,"_dir":70,"_draft":6,"_partial":6,"_locale":7,"title":244,"description":245,"permalink":246,"date":19,"category":247,"image":12,"tags":248,"body":251,"_type":61,"_id":436,"_source":63,"_file":437,"_stem":438,"_extension":66},"/blog/2020-04-29-moneydo","How I learned to save money","I was finally able to pay off all my depts and saved almost 2 salaries","/moneydo","Personal Finance",[247,249,250],"Money Management","Self Improvement",{"type":27,"children":252,"toc":434},[253,258,263,288,293,355,371,381,419,424],{"type":30,"tag":31,"props":254,"children":255},{},[256],{"type":35,"value":257},"For 10 years I was trying different methods: Excel templates, learn business finance, read books about finance and how to get rich, use a lot of different apps. It always end up in the long list of categories and necessity to track all expenses. At some point I was getting tired and it never worked for me. There was always something unplanned. The more I budgeted, the more dept I was ending up in. Especially it was getting worse when I was in relationship. And I was never sure if I can buy new jeans.",{"type":30,"tag":31,"props":259,"children":260},{},[261],{"type":35,"value":262},"Half a year ago I discovered magic! That totally changed my mindset about personal finance! It is more forgiving method, simple and easy. Using it I was finally able to pay off all my depts and saved almost 2 salaries! And any moment I can certainly answer questions like:",{"type":30,"tag":264,"props":265,"children":266},"ul",{},[267,273,278,283],{"type":30,"tag":268,"props":269,"children":270},"li",{},[271],{"type":35,"value":272},"Can I buy this jeans?",{"type":30,"tag":268,"props":274,"children":275},{},[276],{"type":35,"value":277},"Can we have a coffee?",{"type":30,"tag":268,"props":279,"children":280},{},[281],{"type":35,"value":282},"Can I meet friends in restaurant?",{"type":30,"tag":268,"props":284,"children":285},{},[286],{"type":35,"value":287},"When can we buy a new TV?",{"type":30,"tag":31,"props":289,"children":290},{},[291],{"type":35,"value":292},"Here is set of rules that distilled for me during this whole process:",{"type":30,"tag":294,"props":295,"children":296},"ol",{},[297,325,335,345],{"type":30,"tag":268,"props":298,"children":299},{},[300,305,307],{"type":30,"tag":41,"props":301,"children":302},{},[303],{"type":35,"value":304},"Plan your income.",{"type":35,"value":306}," Once you got money, doesn't matter if it is $1 or $100K, budget it. Split into 3 chunks:\n",{"type":30,"tag":264,"props":308,"children":309},{},[310,315,320],{"type":30,"tag":268,"props":311,"children":312},{},[313],{"type":35,"value":314},"10-20% for Savings - transfer it right away to separate account",{"type":30,"tag":268,"props":316,"children":317},{},[318],{"type":35,"value":319},"50% for Needs - for regular payments, groceries, medicine and all essentials you need to survive.",{"type":30,"tag":268,"props":321,"children":322},{},[323],{"type":35,"value":324},"Wants - everything else like going out, shopping, etc.",{"type":30,"tag":268,"props":326,"children":327},{},[328,333],{"type":30,"tag":41,"props":329,"children":330},{},[331],{"type":35,"value":332},"Save daily.",{"type":35,"value":334}," Define daily limit and keep into this limit. If you didn't spend it today - you will have it tomorrow. So all costly purchases move to end of the month. By this time you save enough with daily limits. And you'll get soon salary so all unexpected expenses will be covered easier.",{"type":30,"tag":268,"props":336,"children":337},{},[338,343],{"type":30,"tag":41,"props":339,"children":340},{},[341],{"type":35,"value":342},"Simplify.",{"type":35,"value":344}," Don't budget per category, you'll need only 4 for envelopes for daily life: Needs, Wants, Culture, Extra. And there is no need to track all your expenses, track only irregular so you can reveal your spending habits and change them. Identify those expenses and assign them a category so you have control over them.",{"type":30,"tag":268,"props":346,"children":347},{},[348,353],{"type":30,"tag":41,"props":349,"children":350},{},[351],{"type":35,"value":352},"Stay positive.",{"type":35,"value":354}," If messed up - re-plan and keep going. Don't let plans stress you out. If forgot to track some expenses - count how much money left and adjust. Overspent one day - try to back off next day. Stay alert, not anxious.",{"type":30,"tag":31,"props":356,"children":357},{},[358,360,369],{"type":35,"value":359},"I created an App, that can help you integrated this method into your life and might get better results for you than any other app for expenses tracking and budgeting - ",{"type":30,"tag":361,"props":362,"children":366},"a",{"href":363,"rel":364},"https://moneydo.vip/?ref=blog",[365],"nofollow",[367],{"type":35,"value":368},"MoneyDo",{"type":35,"value":370},".",{"type":30,"tag":31,"props":372,"children":373},{},[374,379],{"type":30,"tag":41,"props":375,"children":376},{},[377],{"type":35,"value":378},"Benefits",{"type":35,"value":380}," of the app are:",{"type":30,"tag":264,"props":382,"children":383},{},[384,389,394,399,404,409,414],{"type":30,"tag":268,"props":385,"children":386},{},[387],{"type":35,"value":388},"it helps you setup a budget with recommendations",{"type":30,"tag":268,"props":390,"children":391},{},[392],{"type":35,"value":393},"it calculates limits for you (it has budget, that most expense tracking apps luck)",{"type":30,"tag":268,"props":395,"children":396},{},[397],{"type":35,"value":398},"the fastest way to add expense: click-type-click (most of expenses trackers require lots of clicks and lots of required fields)",{"type":30,"tag":268,"props":400,"children":401},{},[402],{"type":35,"value":403},"easy to re-adjust budget: drag-type-click to move an amount, change budget dates, create multiple budgets for same dates (other apps would take it more steps or is not even possible)",{"type":30,"tag":268,"props":405,"children":406},{},[407],{"type":35,"value":408},"works on desktop and mobile, offline, less than 1 MB installation in 10 seconds (other apps ~30MB and 2-5 minutes to install)",{"type":30,"tag":268,"props":410,"children":411},{},[412],{"type":35,"value":413},"localised in 4 languages (English, German, Spanish, Russian) and more coming soon (not all other apps have proper localisations)",{"type":30,"tag":268,"props":415,"children":416},{},[417],{"type":35,"value":418},"is cheaper - only 3 EUR per month (for comparison YNAB - $11.99, Toshl - $4.99)",{"type":30,"tag":31,"props":420,"children":421},{},[422],{"type":35,"value":423},"It won't not work for you if you want to use classical budgeting per category, but if you give it a chance and try to learn this method than it might work for you no matter if you are freelancer, or if you get paid daily, or if you have irregular income, or if you have a regular salary.",{"type":30,"tag":31,"props":425,"children":426},{},[427,432],{"type":30,"tag":41,"props":428,"children":429},{},[430],{"type":35,"value":431},"We grow together",{"type":35,"value":433},". You get 1 month for free to try and additionally I will give you 1 month per each invited user. I am using this app myself, so share your feedback with me: what works for you and what doesn't and we will find solution together.",{"title":7,"searchDepth":59,"depth":59,"links":435},[],"content:blog:2020-04-29-moneydo.md","blog/2020-04-29-moneydo.md","blog/2020-04-29-moneydo",{"_path":4,"_dir":5,"_draft":6,"_partial":6,"_locale":7,"title":8,"description":9,"icon":10,"screenshot":11,"cover":12,"url":13,"status":14,"roles":440,"date":19,"stack":441,"body":442,"_type":61,"_id":62,"_source":63,"_file":64,"_stem":65,"_extension":66},[16,17,18],[21,22,23,24,25],{"type":27,"children":443,"toc":464},[444,448,456],{"type":30,"tag":31,"props":445,"children":446},{},[447],{"type":35,"value":36},{"type":30,"tag":31,"props":449,"children":450},{},[451,455],{"type":30,"tag":41,"props":452,"children":453},{},[454],{"type":35,"value":45},{"type":35,"value":47},{"type":30,"tag":31,"props":457,"children":458},{},[459,463],{"type":30,"tag":41,"props":460,"children":461},{},[462],{"type":35,"value":55},{"type":35,"value":57},{"title":7,"searchDepth":59,"depth":59,"links":465},[],1783608296318]