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Money does not exist.. it is in the mind

Money is only a concept represented by bits of paper and metal, accounted electronicly and on paper. A monetary value is agreed for items that lasts for a long time (such as houses and cars) and also for stuff that is manufactured and consumed (such as food, heat and energy).

In reality a house is worth a house and remains a house until it falls down. Food has a very short natural life and is either eaten or it rots.
Energy is continuously being added to the earth from the sun and Some of this energy is converted into stuff that can be stored.... oil, gas, coal,vegetation and absorbed heat.

Human bodies require to stay at a constant temperature and are basicly exothermic.... they give off heat by burning food to gain the energy to move.

In tropical areas human beings can gather the requirements of life on a day by day basis throughout their lives.

In temperate climates, food production is limited to a small part of the year and it is necessary to gather and store food to cover the unproductive periods. This has resulted in the development of mathmatics and co-operation.

The number of people that can be supported in any area is controlled by competitive killing of excess people. This has been known as fighting, war and now healthy competition.

In temperate climates the housing market is controlled by throwing people onto the streets where they kill each other and die of exposure.

The general population are becoming less comfortabe with this and so the concept of 'negative equity' was invented to go along with the concept of negative money. (debt)
Accontants needed the concept of 'negative money' to allow forward planning of the barren months and trade between different production zones of the world.

Negative money does not exist

If people could get used to the idea that negative money does not exist then the present misunderstandings would go away. Consider this. I lent money to someone a couple of years ago and in theory I still have that money in his care. He seems to have no intention of giving me money to balance that debt and therefore that money does not exist.... he has spent it. Coventionally I own negative money that is vested in this man. This is the same concept as an item of property that has been stolen from me, I still have ownership but do not have the item.

This is the same situation as the 'financiers' at the top end of the 'banking industry'. Money has been given to them and they have no intention of returning it.

The money that was given to these bankers was conditional that it could be claimed back by the person who gave it. The reason it was given was to prevent theft such as personal robbery with violence. An attraction to give offered by the bankers was that they would return more money than had been given. They said tat they would be able to do this because they could lend the money to enable work to add to its value.

No matter what words are used to describe the arrangements for the money that has changed hands it is clear that the people who gave the money expected it back. The money has been stolen if not returned and the owners have been cheated of the 'interest' that was promised as a lure to part with it.

Money lenders have now been called a variety of names in the 'financial services industry' and are required to organise large amounts of money in a way that will facilitate useful 'work'. The world has developed conventions to allow gambling on the probability of the demands for goods and services.

There is a way to make money completely overt
all transactions completely transparent.

I call it the Cash Flow Project. It is a spread sheet which would be capable of tracing the cash flow of the whole of the UK and the project would only require two or three hundred people to participated.

These people would not have to be particularly honest or numerate, they would simply have to fill in their own personal cash flow anonymously and add their own personal cash flow to a group of 'cells' which are part of a massive computer model.

I have constructed a small part of the model using Excell and will be posting it here sometime in the near future so that anyone can join in.

The Cashflow Project

This page is about an idea which has been buzzing about in my head for some years and which I made a little progress with some time ago. My first attempts are lost somewhere in a bunch of floppy disks and changes of computers.

Financial software seems to be based on traditional accounting methods and little seems to have been done to develop a package which mathmatically represents general cash flow through society.

That is the nature of this project.

It is now apparent that more and more people are getting into situations where there is a need to study the social problems generated by the financial system which is in place.

This project will provide a method by which anyone will see the effects of tax cuts, price increases and variations in the interest rate.

Publicity seems to be given to one side of each of these variations, for example, the public only see the effect of an interest rate rise as costing them more in their mortgage repayments, a tax increase as decrease in their disposable income or price increase as a decrease in their purchasing power. The benefits to investors, civil service wages and the value of the stock held by shopkeepers are seldom discussed.

This is how my efforts are working s far

I am using Excell for Windows and one cell to represents my own total income.
This cell is surrounded by 8 other cells which represent are my financial outgoings to
  • Food
  • Accommodation
  • Energy Supply
  • Health Care
  • Work Expenses
  • Local Tax
  • National Tax
  • Leisure (including transport)

  • see a picture of the spreadsheet in it's early stages of development

    My income is in the centre cell and the amount I spend on each of the items above are in the 8 surrounding cells.

    The description of the contents of each cell are noted in the 'Comments' facility to show where the money is going to.

    Each block of nine cells on the spread sheet will represent a person, and the nine people surrounding my own group of nine cells are people with whom I have direct financial contact and for whom I enter the value which I pay to them.

    I have guessed their incomes and outgoings and made each cell relate to the other cells that represent that particular 'money path'.

    For example the checkout person at a supermarket receives the cash I pay for retail goods and my payments are added to all the other peoples payments that pass through that cash register.

    As the cashier is paid from the cash register their wages are deducted as the money passes through their hands.

    The cashier's total wage is shown to be paid out in the same way as my total income and I have guessed the proportions which are paid through their eight 'outgoing' cells.

    The first block of nine people is working utilising 81 cells on the spread sheet.

    These nine people are surrounded by nine groups of nine people who each fulfil a function within their group and their finances reflect this by their inclusion in the formula each of the others.

    The cash flow of 81 people is functioning and has been integrated with a second block of 81 people.

    This model of the total cashflow of 162 people is the present stage of development without help.

    It is interesting that some organisations appear to be trying a similar thing...... 20 years after me, as usual.