A Financial Management Tool

BlueRose Malini developed BRMFinWizTM, a Financial Management Tool to help individuals navigate through the Universal Laws of expense distribution. In essence, being discipline with expense allocation in alignment with the Quantum Law (specifically BRMLifeLawTM Grace - Financial) enabling Financial Grace to flow better to individual based on one's capacity.

In this tool, BRM categorised an individual financial management into 6 life areas:


  • M1 - Charitable contribution
  • F1 - Financial Growth
  • M2 - Living Expenses
  • F2 - Education
  • M3 - Personal Allowance
  • F3 - Savings

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