Do you know Ms. M and Mr. C?

What do you envision when you read the following?

Financial Education
Financial Responsibility
Financial Planning

Like so many other phrases, they mean different things to different types of people. For the sake of this story, consider “Mr. C” and “Ms. M”: a couple of “30-somethings” making “20 something” a year and working on the American Dream. Now, I could have chosen different people, however they represent tens of millions of people living and working in the US today. So Mr. C and Ms. M it shall be.

For a large swath of the population under say 40, their financial education begins right around the time they are introduced to that glorious electronic babysitter we call the T.V. They are bombarded with what they should have or could have or can’t live without. Their education advances throughout high school, college and into the working world via PC’s, laptops, tablets, and smart phones, so they can rest assured they are plugged in 24X7 for any “emergency requirements”. Oh wait, they may have been lectured by their parents at some point that you work hard for what you want and don’t ever get overextended using credit. Almost forgot about that one.

Being in their 30’s they may be or may have been married. They may be out on their own or in the process of moving out of, or back into their parents home. In any event, they have bills, which calls for financial responsibility – which in their world also calls into play financial planning. For far too many, financial planning for retirement begins far too late. Responsibility and planning for this extremely large group is measured in weeks. Paycheck to paycheck, and all too often, day to day.

Financial reaction, the current financial planning.

Ms. M is a single mom and has all the usual bills a single mom has…too many for her income. She does (or is supposed to) get a monthly child support payment from her ex-husband which almost closes the gap, but ultimately something always needs to slip or she will go without this or that to make it through her month and her world. She finds herself in a bad month, the storms of last week meant she was out of work for two days watching her kids with no pay. She has to make her rent and car payment AND find enough gas money to make it to work. She calls her ex to ensure not only this month’s check comes in, but he will need to catch up some on past months or she will need to call her lawyer (more cost and pressure) as she needs to take care of her bills. She is assured that a check is coming in at the end of the week, but only for what he can swing. She will be $80 short. What can she do? She, like so many others today, goes to a payday lender. She knows it is not what she wants to do, but she has little choice and is hopeful her ex will make good on his promise to catch up.

Under the Roof

Mr. C’s version of responsibility and planning marches to a different tune. Living at home (still) he has no rent or utilities. His clothes are done for him as well as his meals. However, he has “dug himself a pretty good hole” between his new car and his maxed out credit cards. Although he has a job which should allow him to save and save well, he has chosen instant gratification over Financial Responsibility and Planning. However, when the collection calls start coming in and his parents get the calls, he’s told he must straighten out or get out. It’s a true reality check. Like Ms. M, Mr. C decides to go to a payday lender. It’s only $800 and with the bonus everyone at work is talking about coming in soon, he figures he can get things in order and back on track in no time at all.

Both Ms. M and Mr. C took action based on what they thought was going to happen. In the end the child support check did not come in time for Ms. M, and that bonus never materialized for Mr. C. So begins the debt spiral.

These “stories” actually happen every single day. It’s the reason that payday lenders are the fastest growing financial sector. There are more payday lender storefronts in the U.S. than Starbucks and McDonald’s….combined!

The fact is that bills do not line up with paycheck dates. Neither does life’s little gotchas, like needing $40 for gas three days before payday. So what options are out there for the Ms. M’s and Mr. C’s of the world?

What if there were different way for Mr. C and Ms. M to pay their bills when due (before payday)?

What about having access to funds for critical need, like gasoline to get to work, without ever having to go to a payday lender or find themselves trapped in a debt spiral?

At Ganart, we’ve invented a way to help the tens of millions Mr. C’s and Ms. M’s.

Bringing financial options to the direct workforce.


We call it the Workplace Solution. It is a self-service multifunction financial and value transaction center called Money Everywhere.

The Workplace Solution can also be tailored with the right services that matter to the workforce. None of the Ganart services are set up to ever entrap or exploit.

Money Earned Button

When a Mr. C or Ms. M get in a cash crisis, they can touch the Money Earned button on the me and get access to the money they have already earned. Since they’ve earned it, they’re good for it.

What they take out is automatically deducted from their next paycheck. A convenience fee is all that’s charged. No borrowing, contracts or paperwork. No interest either and they can take out as little as $20.

An average Money Earned transaction takes less than a 30 seconds and the me machine remembers this and all other transactions that a Mr. C or Ms. M make regularly.

At the same time, the Workplace Solution helps the workforce keep attention on profitable tasks instead of worrying about financial matters that take time and mind away from work. A minute during a break and a financial worry can be solved.

Financial Planning and Rewards

Not only does the me Workplace Solution effectively modify users personal financial responsibility by giving them much more convenient and cost-effective access to their money, but it rewards them for continued financial responsibility.

We now offer Money Earned as a payment source. So when a bill is due on Wednesday and payday is not until Friday, our clients can opt to pay that bill with with funds that are coming, keeping the lights on or the phone connected without the onslaught of late payment fees, reconnection expense and all of the stress associated with it.

cash and me

We are creating a reward program for clients who choose to pay their bills via the Workplace Solution. In addition to the 100’s of thousands of dollars we have already saved our clients vs. traditional payday loans, we will be launching a direct rewards program that will provide additional savings and monetary rewards.

A company sponsored benefit without the price tag

The Workplace Solution brings several benefits never before offered to direct employees within their workplace. It is delivered, deployed and managed at zero cost to the employer by Ganart. Knowing that there is no such thing as a free lunch, it will require an organization to work with Ganart to provide some initial information and to auto-send an “hours worked” file daily (just raw info, no need to refine) and the ability to take and process a deductions file. A company can manage the on-boarding of new hires or the removal of employees no longer there via a web based portal, OR it can be completely handled by customer service folks at Ganart.

If you you would like to help your Ms. M’s and Mr. C’s, contact Ganart Technologies and see how you can help your direct workforce become more focused and more financially responsible.

Wayne McHugh
Managing Director – Sales
Ganart Technologies Inc.

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