Most people think they're properly managing their personal finances by simply logging in and getting their bank balance or checking to see how their spending compared to their budget. As they say, "Ignorance is bliss..."

If you're one of those people, let me ask you: How is this working for you? Has your credit card balance decreased? Are you increasing the amount you put into your savings account each month? Do you have so much money at the end of the month you just don't know what to do with it?

Money Management: The Definition Of Insanity? 

We all know that if we continue to hit our head against the wall and expect a different outcome each time, then we qualify to be labeled as insane. That said, day after day, we check our budget only to find we've spent too much on gasoline, but fortunately we're still under our budget for groceries, and we have $158.49 in our checking account so we have enough to take the kids for burgers tonight after withdrawing most of that amount at the ATM. Man, we're on top of things... but why is our financial situation worse at the end of each month from the month before?

Spending your time looking at all these disparate balances doesn't make for sound money management. Yes, you do need to pay attention to them, but you're actually working too hard! Managing your money does not have to be as frustrating as trying to multi-task with both hands tied behind your back.

Make It Simple; Who Needs Another Spreadsheet?

Obviously, managing all of these numbers takes a lot of skill. If you take the spreadsheet approach, there is no wonder you don't rush home from shopping to flip on the computer and use it. Spreadsheets can be daunting and intimidating. 

How about something that's fun to use, simple to understand, travels with you, is not a spreadsheet, yet gives your result with a single glance at a single number?

Liquid: The Missing Link You Need To Get Ahead Financially

We've all tried juggling all the amounts in all our bank accounts, figuring out how much over or under budget in each of our myriad expenses we are, and wondering if we'll have money left in our checking account at the end of the month.

But there is an easier way. You can distill all these numbers down into a single number: your Liquid Number. It's all you need. It tells you in an instant where you stand and how much you'll have left at the end of the month.

The concept is simple enough -- you take what you have and subtract out what you owe. 

Our app, Liquid, will allow you to finally have a clear perspective on where you stand. Request an invite on our Facebook page.

If you had to choose the most important number in all the ones you try to remember, which one would it be?