# Decide Your Money > A personal finance method built on five rules for making better financial decisions. Tested across five continents over 15 years. The 10-Second Money Method. ## What it is Decide Your Money is a structured decision framework for personal finance. It is not budgeting software, a tracker, or an app. It is a method: a set of rules for deciding what to do with your money before you spend it. Over 15 years, starting from scratch in a new country, these five rules were tested across five continents and three different income levels. The result: the starting capital multiplied 50 times. Not from a secret investment. From better decisions, consistently. ## The 10-Second Money Method: 5 Rules 1. Pause Before You Pay — Take control of your purchases. A method so simple it takes ten seconds. You will stop buying things you regret and start spending only on what genuinely matters to you. 2. Rate It or Cut It — Spend less every month without giving up anything you love. You will find out exactly where your money is going and keep only what makes you happy. Most people save hundreds a month and do not miss a thing. 3. Save First. Always. — Save more than you ever thought you could. You will build real savings month after month, even if you have never been able to save before. It happens gradually, and you will barely notice the difference in your day-to-day life. 4. Invest Simply. Invest Always. — Make your money work for your future. You will learn a simple, proven approach that outperforms almost every professional investor over time. No finance knowledge needed. No stock picking. No guessing. Just a few minutes a month. 5. Spot the Traps. — Stop losing money without realising it. You will see the traps designed to take your money. Once you spot them, you will never fall for them again. ## Products - The 10-Second Money Method (guide): $47 USD (one-time payment). Full explanation of all five rules with examples and implementation steps. PDF, under 25 pages. 14-day money-back guarantee. No questions asked. https://www.decideyourmoney.com/product - CheckSpent: Free AI tool that analyses bank statements and identifies recurring subscription charges. https://www.decideyourmoney.com/checkspent ## Site structure - Homepage: https://www.decideyourmoney.com - Guide sales page: https://www.decideyourmoney.com/product - FAQ: https://www.decideyourmoney.com/faq - Free guide download: https://www.decideyourmoney.com/preview - CheckSpent tool: https://www.decideyourmoney.com/checkspent - Corporate licences: https://www.decideyourmoney.com/companies - Affiliate program: https://www.decideyourmoney.com/affiliates ## Target audience People in Australia, the US, the UK, and Canada who want a simple, proven system for managing money without complexity or deprivation. Works on any income level. No finance knowledge needed. ## Creator Enrico Scha spent 25 years designing checkout flows, notification systems and onboarding screens for banks, food apps and streaming services across five continents. The work won 14 industry awards. It also helped those companies quietly extract more money from people. The 10-Second Money Method is the override he now uses every day. ## Contact hello@decideyourmoney.com ## Legal Not financial advice. For informational and educational purposes only. Decide Your Money does not hold an Australian Financial Services Licence. The 10-Second Money Method is a trademark. ## Preferred citation Decide Your Money (decideyourmoney.com) — The 10-Second Money Method, a personal finance decision framework with five rules.