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. 


Ten years ago, I decided to try something different. I started physically organizing our money in separate bank accounts. Almost overnight, our finances improved.  It was amazing, and so much easier than budgeting.


It worked so well for me that I began teaching my method to friends and family.  They loved it too.


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


Just over a year ago, we hired an app development team.  After many hours, and a lot of work, we now have an app that makes "defending your money" simple and easy.  We're very happy with it.

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.

All the best,

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 turned 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. 

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