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)


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
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 Ask for more details.
8.2 Project-related outgoing expenses
8.3 Forms of contributions
8.4 ( Season Reports )
8.4.1     2011-2014 (Type 1 base)
8.4.2     2014-... (Type 2 camps)
9 *** PAD
9.1 Others / alike ...
9.2 [!] DEV -- current development ... (charts, etc)
9.3 [!!→] SKETCH: Expectation for lim0 app
9.4 more on MEMBERSHIP !
9.5 (deprecated tools)
9.6 Q: how do you get total "space costs"
9.7 Q: do classes (like net, power) include long-term accounts
9.8 Q: often saving money (~not eating out) results in more labour (~cooking time) ...
9.9 lim 0 and other charts
9.10 capex vs opex
9.11 "cht has a rent"
10 *** MERGING THE OTHER FORK
10.1 ______ TOMERGE IN TOP PART
10.2 Basics ...
10.3 BASICS: PURPOSES
10.4 ______ NEW PART
10.5 SUBSEASONAL REPORTING
10.5.1     MINIMUM REPORT FOR EACH SUBSEASON >TREASURER
10.5.2     Template: ETHERCALC
10.5.3     Template: REPORT
10.6 Getting LIQUIDITY (regards "expectation of return")


Also see...

:
    * 🔗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





Project goal


The financial goal of CHT is

    to progressively minimize the money neeeded 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

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

    → MINIMUM (if you are broke):
        ~9€/day, 63€/week, 270€/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 :
    ~5€/day, 35€/week



      → MAINTENANCE

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

CHT-MAINTENANCE :
    ~4€/day, 28€/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

Expenses are categorized roughly into ... :

    * 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)


See, again, the reference pie chart ...
https://dcht00.totalism.org/subfinance.jpg





( Special rates )


    Reduced Rate (↓)

There is a limited chance for a reduced rate (1 in 5 people):
    If you are totally broke, unemployed, and break nothing ...
    Remove "SPACE" costs.
    ~9€/day, 63€/week, 270€/month


    Donation Rate (↑)

You are very encouraged to do donation rate (1 in 3 people):
    If you have decent work, or if you are staying for a very short time.
    Give 50% more.







*** ( CHT specific )


Ask for more details.

For a complete expenses breakdown, ask at info@totalism.org .
    TOTALISM-ARCHIVE🔗cht5a.ods!:
        <---- This will work in 2017-03 somewhere.
        <---- Haha, still not there in 2020-01 ! ;-)

All subseasons have quite detailed budgets.



Project-related outgoing expenses

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




Forms of contributions

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

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

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





( Season Reports )


    2011-2014 (Type 1 base)

(STUB)

Sketch: http://wiki.hackerspaces.org/Subeconomics

Practice:
    Seasons 1-3 were perfected and more centralised - the keeper of the lab was always the same guy and also did Treasury and Supplies/Shopping. These are now defined as Roles (separated, freely assignable to anybody, and structured), see 🔗roles.

Outcomes + problems:
    * unoccupied house we still needed to pay in summers
    * collecting money regularly
    * once the system got going, it was good
    * [...]

Data:
    see Databox above



    2014-... (Type 2 camps)

:
    * cht4a:
        * seth was treasurer
        * individual extra contribs (seth car, etc)
        * used Gnucash
        * [...]

    * cht4b1:
        * missing people break financial plans !
        * individuals extra contributions (r4mp)
        * misunderstanding with jarkko
        * 🔗cht4b-christina makes some comments → search "subfinance"

    * cht4b2-4 (david):
        * running costs with La Graciosa were <200€/month
        * (but this with no infrastructure contribs and expert supplies organisation)

    * b->c:
        * subfinance chart sticker, done by lorenz yay
        * select small donations

    * cht4c:
        * lots of investment +strfry
        * expenditures on car
        * [...]

    * cht4d:
        * drama with pre-paid, and what it covers (+ww, +lor):
            NOT MORE THAN PROJECTED COST
        * unclear situation "convertible debt" (+cumbia):
            (TRANSCLUDE TEXT)
        * <----------- [NOW] : write this out
        * [...]

___________________

### fill in the gaps !!!

season 5:
    * more contributions accepted in material form
    * [...]

season 6:
    * 🔗postmarket first deployed
    * [...]

season 7:
    * 🔗postmarket continued
    * [...]






*** PAD


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
        * [...]
    * roo case (London) ?:
        "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."
    * [...]

<----------------------------------- (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
    * [...]




[!!→] SKETCH: Expectation for lim0 app

THIS IS A GENERAL PROVISIONING VISION, AND APP SPEC.
Ties to → 🔗lim0

+berlin.comrade

_________________________

:
    * I want a general list of all that, as a HOUSEHOLD MANAGER, am supposed to maintain:
        → 🔗resources
        → 🔗food

    * UI:
        I don't want submenus.
        Quick narrowing search field would be nice.
        If you can't narrow-in, you can send a "request", going straight → 🔗ordering

    * Now it's clear what I'm waiting for:
        * some will be delivered from central vault, or I pick them up there packed, or unpacked
        * ... maybe from several vaults
        * ... maybe not even in storage. have to acquire myself. the funds are made available to me.

_____________

already kind of there:
    * HOLDINGS/DUES
    * MUTUALISING STUFF & CATEGORIES:
        non-consumables
    * [...]

missing:
    * COST CUTTING:
        some things we don't have cash for. so there needs to be a "cost cutting" priority list.
    * PREFERENCES:
        i want more/less/none of some things ("eggs"/"coffee"/"potato chips")
    * SPONTANEOUS SOURCING:
        wow, this is an amazing deal. it's already on the list / i'm sure (myself) that i should get it for vault
    * ORGANIZED SOURCING:
        hitting the market regularly. yippie-style hustling with a mandate.
    * you invite (non-comrade) people over and cook them a meal:
        → have a communique strategy
        → write off as personal
    * [...]

DEVELOP THIS !!!




more on MEMBERSHIP !

"""
Membership: 50€

Paid by all. Covers non-CREW parts.
There to secure at least the minimum participation for residents.
"""




(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.



lim 0 and other charts

a visualization of cost through time would be good


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.
"""





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





*** MERGING THE OTHER FORK


______ TOMERGE IN TOP PART


Basics ...

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




BASICS: PURPOSES

PRIMARY:

    * confirm CREW PPPD (... to be ~5-7€)
    * see HW expenses (... to be ~5-6€)
    * trucko-specific costs
    * MAINT -- list broken and lost ("stolen bikes")
    * [...]


SPECIAL (EXPANSIONS):

      * stock status:
        (like in cht6b)
        = USED / PARTIAL / UNOPENED (for HW)

      * track basic resources use:
        how much water are we using?
        (like cht7a finishing plan):
        = COLLECTED CONSUMABLES
        = BACKWARDS EVALUATION 
        = [...]

      * track special resources use:
        * chocolate
        * alcohol / nootropics
        * [...]







______ NEW PART


SUBSEASONAL REPORTING

    MINIMUM REPORT FOR EACH SUBSEASON >TREASURER

at start & ongoing:
    * collect all bills in a bag & mark it (subseason name, date range)

    * start an ethercalc:
        (see template below)

_______________________

by end:
    * write in a pad under "¶ FINANCIALS":
        (see template below)

    * basic explanation of quality of life:
        * what was not standard?
        * were there above average expenses?
        * [...]



    Template: ETHERCALC

See also examples:
    https://ethercalc.org/6aatr1xizl0x (cht7a)
    https://ethercalc.net/6aatr1xizl0x (cht7a)

___________________

Rows:
    * status:
        * (empty) = OK
        * "###" = unfinished / todo
        * mark split bills = "1/2"
    * date YYYYMMDD ("20191225")
    * cost, rounded to 0.5€ ("13.5")
    * category:
        * CREW = food, paper, toothpaste, etc
        * EAT = eating outside
        * HW = investments ... needs basic specification in NOTES
        * MAINT = maintenance (=broken stuff)
        * DIESEL = diesel costs
        * [...]
    * source ("cash" / "card")
    * place ("@unide tinajo")
    * person ("lies")
    * notes
    * [...]

Additional info:
    * if you have mixed categories, split the bill and mark the splits IN STATUS as "1/2" etc
    * [...]



    Template: REPORT

0) general info:
    * different residents?
    * PDs?
    * total expenditures

1) MONEY SPENT:
    1A) FOOD (total, PPPD average)
        ######
    1B) MAINTENANCE (list: broken stuff):
        * LOST: bikes (~150/200€)
        * LOST: handbrake (~50/100€)
        * [...]
    1C) NEW STUFF (total, PPPD average, list: major):
        * TRUCKO: 
        * [...]


2) contributions from INDIVIDUAL RESIDENTS:
    ######


3) list of MAJOR NEW STUFF:
    ######





Getting LIQUIDITY (regards "expectation of return")

#TOMERGE from CHT🔗cht5-frags

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





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