FINANCIAL ENGINEERING

Master the money you earn with financial
Engineering precision

Budgeting shouldn't be an obligation. Build a robust cash flow architecture based on our Theory of Economic Condition. That’s Financial Engineering.

Monthly Management Simulation

Enter your data to calculate some management indicators.

Question Value
How much are the mandatory expenses (housing, health, food, internet, services)
Does it have bank obligations
How much are the monthly education expenses
Personal care, recreational sports, personal preferences
Does it have a pet, how much is spent on it
Does it have a car, how much is spent on it
Spends on gifts, gatherings, invitations, parties
Provision for future expenses (Taxes, tuition, repairs, etc.)
How much is saved monthly
What is your monthly income

Master Metric

Economic Condition (CE)

0.00

Indicator N

Secondary Expenses Indicator (N)

0.00

Traditional advice lacked a Management System.

They're always teaching us about habits and healthy behaviors, but nobody showed us an effective money management method. In Effimoney, we don't give you motivational advice or financial consulting. The gurus already do that efficiently. We deliver a dashboard based on the Deming Cycle (PDCA) and Management Indicators (KPIs) based on your own data.

METHODOLOGY

The Dashboard

Key Performance Indicators (KPIs) that allow you to visualize and optimize your financial structure in real time.

Is

Solvency

Real maneuverability after commitments.

Ia

Strategic Savings

Difference between saving and provisioning.

Ice

Borrowing Power

Your margin for strategic leverage.

Ise

Secondary Expenses

Identify and domesticate your emotional spending.

Ic

Compliance

Mathematical evaluation of your execution. Quantitative analysis.

Ief

Efficiency

Understand spending behavior by categories. Qualitative analysis.

THE MASTER EQUATION
INCOME = EXPENSE + SAVINGS + AVAILABLE

Normalized efficiency. Financial success is not about how much you earn, but how you spend.

The Deming Cycle

The Shewhart cycle (PDCA) is the driving force behind our methodology. It's a control system designed to continuously review and improve the management of our personal finances.

1
Plan

Define achievable goals and metrics. With highly efficient budgets. Prepared methodically.

2
Do

Execute with precision. Track every transaction. Don't lose control of spending using control tools.

3
Check

Analyze with management indicators (KPIs) and measure management progress.

4
Act

Adjust behavioral strategies according to your own data. Refine budgets and actions, for continuous improvement, pursuing a specific goal.

LEADERSHIP

From Crisis to Method: An Engineer's Vision

Not social media gurus. Engineers who transformed a personal crisis into a universal mathematical model.

Luz Helena Vargas & Bernardo Otálora

Luz Helena Vargas

Bernardo Otálora

FOUNDERS & ENGINEERS

Spouses who faced their own financial crisis—like many families—but, as Engineers, they transformed it into a universally applicable mathematical model. After years of research and real validation, today they show the world the techniques and processes so that any user interested in improving their economic condition can successfully face that invisible system of spending control that dominates our consumer society and reclaim their economic peace of mind, without depending on anyone, only on their ability to manage their own income.

Method Foundations
Theory of Economic Condition Deming Cycle (PDCA) Process Engineering Personal Determination
METHODOLOGY

Take control of your financial future

Move forward: go beyond assumptions and motivational advice to implementing the system that will transform your relationship with the money you earn.

Ready to take control of your financial efficiency?

Here are the tools that will transform your financial life.