How it all started

I used to  spend hours each month budgeting our money.  I tried spreadsheets, cash envelopes, apps, everything.  But for all of my efforts, we weren't getting anywhere financially.   I knew there had to be a better way.

Ten years ago, I decided to try something different.  At the time, I had a Health Savings Account.   Each month I put a little money into this account for medical bills.  The money was there if I needed it, but if I didn't need it, I knew I could use it later.  I thought, wouldn't it be great if I had similar accounts for vacations, home improvement, clothing etc?  And with that thought the Defend Your Money system was born.  


I opened a bunch of savings accounts and started physically organizing our money based on how we planned to use it.  Almost overnight, our finances improved.  I realized that simply being more aware of how much money we had, and what it was for, helped me make smarter spending decisions.  But even more than this, it felt so good to have our money organized and under control. 

This system worked so well for us.   It was much easier than budgeting, and we were saving a lot of money.  I soon began teaching my family and friends how to defend their money.  They loved it too.


In 2017, I decided to turn my system into a small business.  Since then, I've helped many people improve their finances.  At first, my clients used digital worksheets to run the system, but my ultimate dream was to create an app that could talk to banks and credit card companies. 


Just over two years ago, I hired an app development team and additional people to help me realize my dream.  After many hours, and a lot of work, we now have an app that makes "defending your money" even more simple and easy.  We are all very excited about it.

Defend Your Money is helping people get out of debt, save for the future, and most importantly feel confident about their finances.  If budgeting, or not budgeting, has failed you, we invite you to join us and Defend Your Money.  You will be amazed by how easy it is and the difference it makes in your life.

Marilyn Ference, President, Defend Your Money, LLC

Marilyn graduated from the University of Utah, Eccles School of Business and later went on to work in client services for a money management firm.  After having their first child, Marilyn's husband, Dave, took over their family's financial offense (earning the money) while Marilyn stayed home raising their three children and defending their money.  

They live in Salt Lake City, Utah with their dog Otto.    

Our app development team

We are happy to have worked with Buink Web Development in Boulder, Colorado in developing our app.  They were instrumental in turning our dream into a reality.  Because of the app's financial nature, it was essential to work with security conscious developers based in the United States. The development team at  Buink has been amazing.  As we expand and improve, we are thrilled to have them as part of our team. 

Schedule a FREE financial coaching session to learn more

Everyone wants you to spend, we're here to help you defend!