I'm a Different Type of Finsub

Posted on February 05, 2025
Word Count: 976

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We all know the classic example of a financial submissive… the type who gives control of their finances over to someone else, and in the most infamous cases, gets off on their dominant wasting their money.

There’s nothing wrong with either giving up financial control to someone else as part of the dynamic, or even getting off on that money being wasted, as long as you’re doing it responsibly and safely so that you’re not actually in any danger of damaging your financial situation – make sure you have your bills paid and a savings buffer and if you get off on your dominant buying an expensive watch instead of spending that money on a hobby, more power to you. The most common situation I see in the community, however, is a submissive who is bad with money getting help from their dom to get their finances better under control. Help them save, teach them how to budget, etc.

That’s great. That’s not what I need, not what I do, and not what this post is about.

I’m a different type of financial submissive. I’m the type who fucking loves organizing money. I chase interest rates and shift money from one account to the other based on where I’m getting the best return on my funds, even if that return is just pennies. I love spreadsheets. I love having a big picture of what all the money is, where it is, and how it’s going. I lay out expected incoming and outgoing funds a year in advance so I can have a good idea of what the cash flow will look like.

And I’ve wanted to do that for Tim since very early on in our relationship. Tim is fine with money. He knows how to budget and he manages things well enough. But he also will pay convenience fees rather than go out of his way to avoid them. He’ll keep a balance on his credit card long enough that he’s paying interest on it sometimes. He generally does very well, but I could do better.

My own spreadsheet has been built over years and years and is named “dec” because it was just supposed to be a way to get through December when money was pretty tight. And I just kept going and building on it. It’s now my main source of money tracking.

I manage Sam’s and my finances and I’ve wanted to do the same for Tim for years. I’d brought it up 1-2 years ago and he agreed to it, but any time we were thinking about it or discussing it wasn’t a good time to get set up. The most frequent time we discussed it was after a scene when we were cuddling in bed. That’s not an ideal time to hand over access to bank accounts. So it’s been one of those “yeah we will do that, and we’ll get to that some time, no rush” things for years now.

But it’s finally happened! I finally, finally have access to Tim’s finances.

I finally brought it up when we were both available to do something about it, although it wasn’t in the way that I expected to make it happen. I learned that Tim was carrying a balance on his credit card and in that discussion I said, in frustration, that he really needed to get me access to his accounts so I could be watching them. And he was like, oh yeah let’s do that right now.

So we did.

The instant I had a free moment I downloaded all the records and started putting together a spreadsheet then spent the evening organizing his checking account into a tracking and prediction spreadsheet. I laid out the expected income/expenses through the end of the year, worked on building a schedule for his car loan, copied in the schedule for his other loan, and copied in the basic budget spreadsheet he’d been keeping so everything about his finances is all in one place.

I spent hours on it and then stared at it for quite a while after like… what else can I do??? I reviewed the regular expenses. I reviewed his budget.

The year in advance gives a good picture of the money situation.
We discussed payment options for his rent to avoid a monthly “convenience fee.”
We discussed getting his credit card on autopay.
We discussed getting him a much better credit card.
We’re going to go over how his auto insurance is paid so we can maybe get a discount there.

I’m pretty confident that I can stay on top of and build his money with time and I’m really excited to do so.

This is something I love doing for my partners. It’s a strong indication about how much I care because money is such an important thing for me. It could easily be considered a form of service for my owner; a way to help take some of his burden off and help improve his financial situation. As I said, he does perfectly well with his money, but in letting me dig in, he can relax a little and let me handle some of the minutia.

I’m really happy and excited to finally be able to be managing money for my owner.

People can get really riled up over findom / finsub because of the scammers out there and the potential for abuse, along with the very narrow view of it. I approach financial D/s a different way. Who says financial domination isn’t letting your submissive handle your finances so you don’t have to? Because that’s totally how we’re doing it. I’ve written another post that was raging against findom perspectives, and I’m happy to be able to add to the saga by saying that I’m participating now, in what some would consider an unusual way.