subfinance
"SUBFINANCE":
    CHT system of common finances

< DRAFT+ >

https://dcht00.totalism.org/subfinance.jpg
"Databox" Representation, CHT hackbase ~Season 3 (2013/2014). ###

"Subfinance" is a way of handling common finances:
     (tracking, representing, strategizing with, etc.)

For CHT, it serves to both represent the costs to Crew, and to guide infrastructure development towards continous minimization of costs. Both of these in a clear-enough to be easily understood, and replicated.


Revisions:
    2015-09-07 stub
    2015-11-17 touch
    2016-01-29 touch
    2016-02-04 redo
    2016-11-20 touch
    20191219 moveover & overview +d +lies
    2020-01-12 (IN PROCESS) overviewing
    2020-07-19 overview
    2020-08-12 merging the fork + overview (UNFINISHED)
    2020-11-02 more sleepy merging D+L


Table of Contents
1 Also see...
2 Project goal
3 As CHT crew, you choose ...
3.1     A) Join the Communist Conspiracy
3.2     B) Pay a contribution
3.2.1         → BASIC:
3.2.2         → ENCOURAGED (you have work):
3.2.3         → MINIMUM (you are broke):
4 HANDLING EXPENDITURES
4.1     0) Spend money well
4.2     1) Track & Document
4.3     2) Categorize, to bring clarity
4.3.1         → by ACCOUNT ("how will it be accounted?")
4.3.2         → by CLASS ("what is it"?)
4.4     3) Strategize: Prioritize & Eliminate
4.5     4) ... Eliminate All !
5 Categorize: Expense Accounts
5.1     ( Common )
5.1.1       → CREW
5.1.2       → SPACE
5.1.3       → MAINTENANCE
5.2     ( Personal )
5.2.1       * your hardware
5.2.2       * your extra spending
6 Categorize: Expense Classes
7 ( Special rates )
7.1     Reduced Rate (↓)
7.2     Donation Rate (↑)
8 *** ( CHT specific )
8.1 Past subseason reports (2011→)
8.2 Regular project expenses
8.3 Forms of contributions
9 *** PAD
9.1 [!↑] Basics ...
9.2 Getting LIQUIDITY (regards "expectation of return")
9.3 Others / alike ...
9.4 [!] DEV -- current development ... (charts, etc)
9.5 [K→] SKETCH: Expectation for lim0 app
9.6 (deprecated tools)
9.7 Q: how do you get total "space costs"
9.8 Q: do classes (like net, power) include long-term accounts
9.9 Q: often saving money (~not eating out) results in more labour (~cooking time) ...
9.10 [!!] DEV/E2H -- lim0 and other charts
9.11 [~] READ -- capex vs opex
9.12 "cht has a rent"


Also see...
### Ties to:
    * 🔗resources - all about basic goods
    * 🔗ordering - currently procurring: new equipment
    * 🔗metrics - non-financial aspect of lifestyle representation
    * 🔗web, search "funding" (quick info)
    * 🔗workflow, search "numeric data" (the tools)
    * 🔗manual, search "subfinance" (2011-2014 system)
    * 🔗postmarket manifesto - "Ban personal money!"
    * ### from Internals:
        * Subfinance spreadsheet models !!! (include power & water)
        * Gnucash logs for CHT4A
        * [...]
    * ### David's desktop notes
    * http://wiki.hackerspaces.org/Subeconomics (sketch)
    ____________
    (TO RELEASE ASAP !!!!!!) ###
    * TOTALISM🔗subfinance-overview
    * TOTALISM🔗subfinance-reporting 




Project goal

The financial goal of CHT is

    to progressively minimize the money needed to satisfy resource needs,

    and so, the need to participate in the capitalist economic system.

    Less spending! Less earning!
### When D spoke with Richard Stallman ~2014 he understood as we were trying to get rid of all use of money, and he said that didn't sound like a good idea to him, but if we were to get rid of the dependence on money, and minimize the use of money, that would sound like a great idea to him




As CHT crew, you choose ...


    A) Join the Communist Conspiracy

ABANDON ALL PERSONAL MONEY, TO COMMON PROVISIONING
 ↓ ↓ ↓ 
AUGMENT MUTUAL ABILITIES
 ↓ ↓ ↓ 
SUPPORT SHARED STRUGGLE

🔗postmarket



    B) Pay a contribution

This covers all basic life costs:
    the consumables ("CREW"), and the amortised upkeep ("MAINTENANCE") & equipment ("SPACE") costs of the common base infrastructure. Together, this is sufficient for subsisting during your stay, and you will need no additional money.

This does *not* cover personal extras (booze, cigarettes, idiosyncratic expensive food...), so if you want that, budget for it.

If you bring 🔗stuff to leave, its agreed value to the space is accounted into your contribution. Best to talk about this in advance & corroborate it with 🔗ordering.

For first-time crew short stays, there is a 🔗membership cost.

___  ___  ___  ___  ___  ___  

Rough totals are stable since 2014:

        → BASIC:
        ~15€/day, 100€/week, 450€/month
        ~15€/day, 450€/month

        → ENCOURAGED (you have work):
        ~ 20€/day, 140€/week, 600€/month
        ~ 20€/day, 600€/month

        → MINIMUM (you are broke):
        ~9€/day, 63€/week, 270€/month
        ~8€/day, 240€/month


More details below.






HANDLING EXPENDITURES


    0) Spend money well

A spending strategy - deciding what to buy, where from, etc - is being investigated separately.
See 🔗resources, and follow the links there.



    1) Track & Document

    * Collect and archive all paper trail (bills)

    * Digitize to semi-public (Ethercalc) sheets
        ### examples !!!

    * Output clear and public results:
        ### examples !!!!!!
        r ough financials template (7B, 7A, and some back???)



    2) Categorize, to bring clarity

https://dcht00.totalism.org/subfinance.jpg

A pie chart is used, for the reason that it...:
    * graphically represents the joint totality of costs (unlike, for example, bar charts)
    * offers focus on rough relative sizes of part
    * it is also used as CHT's logo:
        The last version of the has been generated in Season 3 (2014).
        Yes, it is overdue to be generative & (live) updated.
        See 🔗dev-charts).

Through the project's development towards its financial goals, it should, via infrastructure improvement, display a progressive implosion of costs.

See further below for details on categorization:
        → by ACCOUNT ("how will it be accounted?")
        → by CLASS ("what is it"?)
### rename better



    3) Strategize: Prioritize & Eliminate
Represent-Understand, Strategize

Do:
    * Develop infrastructure improvements. → 🔗tech-tree
    * Connect with potential allies. → 🔗consolidation

The expenses are being hacked away. The pie is contracting!



    4) ... Eliminate All !

At some point in the future, no money is needed for procurring the needed basic 🔗resources.
The pie has imploded!

aka ...
    ... moneyless, post-money, "postscarcity", "post-capitalism", post-market(ing), ...
    ... "full money independence"
    ... communism





Categorize: Expense Accounts


    ( Common )


      → CREW

Shared consumables, spent among current crew.
aka "running costs".

    * shopping budget (food)
    * shopping travel
    * (more per crew consensus, like equipment rental)

Will depend on the effectiveness of your day-to-day shopping.


CHT-CREW :
    ~ 5€/day, 35€/week

Quality food & other running shopping is ~5€/day.
There is little room to bring this down to ~3€/day, without (precarious) own production.
Consult → 🔗markets, 🔗resources, etc.



      → SPACE

aka "general expenses"
aka "space expenses"

These costs are averaged over the duration of the whole project.:
    * hardware ← 🔗stuff
    * stay costs (=rent)
    * difficult-to-track utilities (power, water, bottled gas, ...)

Sum TOTAL costs. Divide by ALL person days.
This repays past investment & sustains at least the same future investment trend - buying 🔗ordering.

CHT-SPACE :
    ~ 6€/day, 35€/week



      → MAINTENANCE

Long-term infrastructure repair calculated average & project upkeep.
Basically, an insurance.

CHT-MAINTENANCE :
    ~ 3€/day, 21€/week




    ( Personal )


      * your hardware

The space normally expects you to provide & maintain this yourself**.

:
    * laptops, phones, etc
    * clothes & specialty clothes
    * sleeping bag
    * basic personal articles

**Except for 🔗communist-conspiracy comrades, then it's handled by that.




      * your extra spending

These can be zero! All essentials are covered in crew expenses.

:
    * eating out (covered only to level of crew budget)
    * drinking out
    * rationed food:
        * sweets (>0.2€/day)
        * booze (>0.5€/day)
        * nootropics (>0.5€/day)
    * [...]





Categorize: Expense Classes
### merge with new template !!!!!!

    * The Rent:
        costs associated with having a place to stay

    * Food

    * Drink Water

    * Nootropics:
        minerals, vitamins, cognitive improvemt pills, caffeines, alcohols, cannabinoids, etc

    * Water

    * Net+Server:
        all running telecommunication costs

    * Power:
        energy production & distribution

    * New Lab Stuff:
        HARDWARE!

    * Households:
        (usually marginal)


https://dcht00.totalism.org/subfinance.jpg
Again, the reference pie chart ↑





( Special rates )


    Reduced Rate (↓)

There is a limited chance for a reduced rate (1 in 5 people):
    * If you are totally broke & unemployed
    * If you break nothing
    Only CREW+MAINTENANCE (no SPACE costs).
    ~9€/day, 63€/week, 270€/month


    Donation Rate (↑)

You will be strongly encouraged to do donation rate (1 in 3 people):
    * If you have decent work
    * If you are staying for a very short time
    Double SPACE costs.








*** ( CHT specific )


Past subseason reports (2011→)

See
    → 🔗history
    → ###NOT YET### TOTALISM🔗subfinance-overview


Ask for more details → info@totalism.org .




Regular project expenses

:
    * ~50€ / year: projected for infrastructure (domains, servers)
    * ~50€ / year: paper promo materials
    * ~250€ / year : 🔗trucko insurance
    * (future) project-related travel
    * [...]


<---------------- (new) regular outgoing expenses




Forms of contributions

    * Memberships:
        → 🔗membership (€ for equipment investment)

    * Donations:
        → 🔗donate (€),
        → 🔗ordering (equipment),
        → 🔗todos (labour)

    * Labour:
        → 🔗coop (€, 2017!)







*** PAD


[!↑] Basics ...

It needs to ...:
    * be easy to do (not a senseless bureaucracy)
    * serve clear (subset of) purposes
    * [...]



Getting LIQUIDITY (regards "expectation of return")

### #TOMERGE from CHT🔗cht5-frags

:
    1) donation
    2) coco expense <-------------- new!
    3) soft debt
    4) hard debt



Others / alike ...

:
    * david while hypertravel year 1/2 ?
    * elf pavlik lives moneyless ?
    * joey hess (ex Debian, etckeeper, git annex) lives off the grid http://joeyh.name/
    * Kranj/Slovenia temp hackbase (stub):
        there's nothing to pay.
        food is shared.
        contribute with work.
    * truco.space:
        * soft loans
        * donations
        * [...]
    * London 2016 case:
        "I will contribute nothing more as if I wasn't here. No rent, no fixed utilities, no heating. I will contribute expanded consumption of water and power."
    * mutual aid networks
    * [...]

<----------------------------------- (new) ALIKE 



[!] DEV -- current development ... (charts, etc)

Also see / merge:
    * 🔗representation.systems
    * notes +lisa , see CHT🔗chtcharts
    * 🔗dev-charts
    * E2h will support charts soon. Lorenz did some work here.
    * [...]

Technology:
    * current:
        * data out of "subfinance" calc numerics
        * current one done in Illustrator (awkward! shame!)
    * future:
        * physical versions: keep printing stickers! also t-shirts!
        * [...]

Similar / interesting:
    * view-source:http://budget.hackerspace.gr/2015/ <-- data totally page integrated
    * [...]




[K→] SKETCH: Expectation for lim0 app

🔗lim0-app


(deprecated tools)

tracking:
    * the Subfinance Calc (.odt) numerics sheet
    * GnuCash (deprecated, used in Season4-A)

[...]



Q: how do you get total "space costs"

it's an approximation.
there used to be complete clerity over both "person days" and "total expenditures".
it settled over time, and is now considered stable and a lesser priority work to upkeep.



Q: do classes (like net, power) include long-term accounts

A) they should, to show clarity, and have comparison
B) that would be difficult, as you'd need to assume amortization time (and upkeep)
C) that's not the point
D) maybe they could be internally separated within the part !:
    1) running cost = bad
    2) breakable investment = better
    3) hardly breakable ... = even better
    4) no cost whatsoever = best
E) ???



Q: often saving money (~not eating out) results in more labour (~cooking time) ...

yes, for this reason, there is 🔗subflow.
see on 🔗vocab.



[!!] DEV/E2H -- lim0 and other charts

a visualization of cost through time would be good



[~] READ -- capex vs opex

possibly adopt this terminology
https://en.wikipedia.org/wiki/Operating_expense
https://en.wikipedia.org/wiki/Capital_expenditure
also https://en.wikipedia.org/wiki/Amortization




"cht has a rent"

(explanation for X)

"""
not at all. In a nutshell, the contribution have no character of "renting", since:
    1) you are first invited to mutualize all holdings, and then there is nothing similar to "recurrent transaction"
    2) if you refuse, you pay a contribution that is not arbitrary, but a output of a function of input costs. this would be like somebody renting out a house at installments of exactly what it cost to build and maintain it. it would be incorrect to refer to this as "rent", as it doesn't have any of the character.
    3) the question would also be "to whom", as the ownership is considered common. control over it is considered "stewardship", or "keeping it".
    4) if you refuse and have no regular income ("are totally broke"):
        even your infrastructure costs are waived
        you only pay for:
            consumables = food, gas, etc
            maintenance (=long-term average of breaking gear).
        in addition, you can  , maintenance can also be 
    5) at end of your stay, you can even ask back for maintenance costs - if there it is beyond doubt nothing broke or depreciated during your stay (or you actually caused obvious improvements).

this scenario would then leave only consumables, meaning ~150€/pm. that's nothing to belittle.
"""





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