Total financial control — how I did it

This is the story about how I rinsed over £17k from one of my subs through financial controlling him. I’m not bragging as it wasn’t my plan or expectation to get this sort of money. Though to read on social media about all these Dommes rinsing fortunes, this may sound like peanuts. But is a real story, it just happened and this is how… by Goddess FinPix

Some background first

Findom started for me as a side hustle and I suppose it still is. I know that paypigs get addicted, but I have got addicted too. Not just to the money per se, but to the idea of control and the relationships I have formed.

The money is they say a tangible proof of domination though I have found that getting the money is a challenging puzzle in itself. I like doing wordle puzzles and I like finding innovative ways to drain my subs too. One goal is to drain a sub but for them to feel more fulfilled and conversely better off because I have. If you have done findom then you’ll understand this.

So, let me tell you about my sub called James. He is aged 48, English, currently single, sexually inactive for 3 years. Addicted to findom and porn. The beneficiary or victim depending on your view point.

He’d started off with some random sends to me, then played a few games (rtgames and upvote games). Then he progressed onto a couple of debt contracts. He quit or paused findom, relapsed, pause and relapsed again. Over a 15 month period he’d sent about £1.8k.

Tbat wasn’t consistent, he would stop and start. Quit and then relapse and I’d be there waiting for him supporting both of his decisions.

But I noticed that when he’d return (relapse) he’d often come in harder and drains could be in the £150-£200 in a session. Which to me is quite high. Though modest according to some dommes but I think it is significant.

What I have learnt is that when a sub is in the middle of a drain, or more accurately when in sub-space they are easy to manipulate, vulnerable and suggestible. So in the midst of a drain I sowed the seed about full financial control. That is where I would control all its finances. It I a scary idea.

We then had a discussion about it and I tried to pull back from the idea but the piggy was insistent. The drain finished and the final send made.

I checked back on it (I started to think of the piggy as an ‘it’), kind of a Jekyll and Hyde type thing. Was it ok? Did it enjoy the session? Pleased to have my piggy back in its proper place etc.

Full financial control

I later reminded it of the full control idea. ‘Piggy had promised, had persuaded me’ I said. If it wanted to back down that was ok. But piggy liked the idea of ceding control.

Truth is I was a bit reluctant as debt contracts had been hard work — keeping piggy motivated took time. I also had some ethical concerns. I cared about my piggy and it wasn’t my goal to break it financially. I wanted it to enjoy the submission.

We chatted and I outlined these concerns. So we decided on some ethical grounds rules.

· It shouldn’t have any credit cards. (aside from a payment card for its allowance)

· It shouldn’t go into debt, not even an overdraft.

· I wasn’t going to dictate all its spending etc.

· We agreed I should have a percentage of its disposable income as opposed to a fixed amount of money (this seemed fair, especially if it had less money coming in,)

· Existing savings were out of bounds, as was any inheritance,

· but anything else was fair game.

· In the long term I should have access to its bank account, it should consider the money it receives as its allowance

We’d setup a Wise card\account or similar into to pay its allowance

It seemed complicated and piggy was the one really driving the idea, but made sense.

My goals

I kind of thought it will like the current sends but perhaps a bit more regular. I had in mind a number about £250 a month. Which was roughly double the £125 I had been making from it before through random sends and games.

But what percentage?

I was getting seriously turned on by the whole thing.In a zoom call, piggy started jerking and I fingered myself and we bidded up the percentage from 35% to 40% and I came, really came. It was so hot, it was hot sex. Is this the rush paypigs get?

No wonder they get addicted. I felt dirty though, ashamed, that I’d let my guard down…that the piggy was dirty etc that somehow I’d let myself down.

The next day I was quiet and didn’t respond to messages. Then it made a couple of sends and I re-engaged. I realised we really had shared a moment, piggy was hooked.

But I resolved not to let that happen again I needed to be in control. I was the Domme not the sub. But the whole thing was on track it looked like a price worth paying. So, our discussions continued.

What was disposable income?

The opposite was easier to define. Rent, utility bills, car finance, phone, council tax. We downloaded 3 months of bank statements and worked stuff out. Regular spending. We separated out luxury spends. Clothes I said were part of disposable income. It was actually good fun and was like a little project that we did as 2 normal people, if you know what I mean. If was a mini financial audit. Piggy even cancelled a few unused subscriptions to save money.

Food bill seemed high but I accepted it. There was car finance for a BMW, expensive I thought at £550 a month but an existing cost so I accepted it. Not much I could do about it to be fair. It dropped some streaming subscriptions and I added it to my Netflix account. (I’m saving you money I said). Some bills were annual like car and possessions insurance. So we divided those by 12 and it could put the money aside. Roughly that was about £100 a month.

What we had defined was the fixed costs it had to pay to live. Rent, utility bills, phone bill etc.

Wages were paid into its main bank account and food, petrol though variable costs would come from here. Piggy setup a Wise account to which its allowance would be paid.

We summed it all up and agreed numbers. £3000 per month in as wages. Fixed and living costs came to £2250. Which left £750 as disposable income. 40% for me which was £300. 60% for piggy £450. I’d been rinsing it for about £200-£250 a month before so the change was about £100 extra a month. Yes, this could work.

It was agreed it should maintain a float of £500 in the main account which it did. (I didn’t want any overdrafts).

I would also have access to the online account. It would still have its debit card to buy food and petrol and stuff. But no other new purchases should be there. If they were I’d see them and we would discuss them. It shouldn’t be spending my money. Psychologically, that is what we were going to establish that this was ‘my’ money now and I would let it have an allowance and pay its bills. It was a big leap.

Agreed and happy

Piggy was a bit anxious when it came to it. But I said it was only about £70 a week, or £10ish a day. A coffee and Danish…wasn’t I worth at least that?

Of course I was. So it began a 3 month trial to start with at the start of April.

How to keep it engaged?

The thing is findom is about an erotic association between jerking off and sending money. The new arrangement was about sending money but how over a month would the piggy get off on it continuously?

If I didn’t solve that issue we’d be lucky to survive a month. But I needed a way to engage that was sustainable in terms of time for me in the long term. I did have other subs on the go too and a job. So I couldn’t spend all my time on it.

Rituals and routines

The answer was rituals and routines. Morning sends were a ritual before, but not now. Piggy though should continually affirm its status. So, we agreed a message every morning (weekday morning) by 10am, saying that it was my paypig/sub/loser. Just a message on X/Reddit (we changed platforms) to me saying something like ‘Good Morning goddess from your piggy/loser/paypig/sub’.

We also set up TAPO webcams that I could connect with to view it. (We had done this before) They should be on all the time unless requested to turn off. Eg if it’s mother, family or friends visited.

Also, we agreed that on Tuesdays and Wednesdays between 12.05 and 12.20 it should stand naked in front of the cam wearing a ‘I am a loser’ sign and a piggy nose.

I’d tune in occasionally to check, but the fun part was that piggy would never know if I was there or not. Jerking off was permissible from 12.10.

If it couldn’t make it, it needed to tell me in advance and would need to propose a different time.

I found that if I did login I’d encourage it to jerk off and say how great it was to see my piggy as it should be. Of course, the more this happened the more reinforced the behaviour was. But I didn’t always check in, sometimes I would but not say anything till later. I’d simply snap a screenshot. This created a huge element of control for me. It also kept the piggy happy.

The first few months went very well, following this pattern. I was making a regular income now and it felt good. Still it wasn’t free money but felt like a return on my investment.

But then in month 5 something unexpected and unbudgeted for happened. Piggy went to the dentist and ended up with a bill for £600. The car went for a service £250 and needed 2 new types £325 each so £650. A total of £1,500. I was cross, it couldn’t cover the costs. I refused to allow it to use the credit card. The goods had been paid for. The main bank account was in overdraft.

Piggy was anxious about our whole arrangement calling it into question. At an impasse and I half broke findom rule number #1. I gave piggy money. I gave it £1000. I had made from the contract £956 so I was £44 down. (I complained and it sent me £44 as a joke, though I did laugh). But more than that I had spent three months watching some fat middle aged guy (piggy) jerk off his flaccid limp dick and had little to show for it. (Not strictly true I had got some monies I suppose outside the contract. I checked on that and totalled it up. £181, not too bad I suppose, but I was still grumpy about it.

But you won’t believe how grateful it was. It was so happy. It insisted that it paid interest. I said 6%. It agreed. Per month I said, compound interest. Ok, ok!!!

So I lent piggy back its own money.

But….two months later it has barely paid any of it off. I charged my 6% took it to £1060, it paid £100 took it down to £917. It missed a payment and so after 4 months, it had paid me £300 back but still owed me £1,031. But I am still down. Anxious that it could quit on me I made plans get that money that I’d lent back.

Revised Budget

We had a budgeting conference. We needed to reassess the monthly payments, to try and find that money. I was anxious that it would be paid off before any further unexpected bills came in. We weren’t talking as if in a session, but person to person. Like this was a business and this was a real loan.

The result was that Piggy agreed to spend less. We looked at the fixed bills. We cancelled the gym, virgin media package, Disney plus and reduced food shopping by £60 for the month. Saving us £250. What piggy didn’t realise and what didn’t occur to me immediately was that the £250 would become disposable income. Of which 40% was automatically mine (£100) before any repayments were even made.

So suddenly I was netting £400 a month as a minimum from the piggy as per our revised contract. It used its new larger allowance to repay the loan. Worth over £5k a year if we kept going that long. I was adding to that with extra debt payments and additional sends. Piggy hadn’t picked up the longer terms implication of this. But that was fine.

I rationalised that we had three sources of income.

· Firstly the tribute (my 40%),

· secondly debt repayments and

· thirdly optional sends. The optional sends included when we had meetings or played games. We agreed a future fourth one too, arrangement fees, if I had to sort out loans or rejig the finances then a fee should be payable.

Manipulating piggy to spend less

I was wary though, piggy needed to be happy. But needed to spend less. I knew from its old bank statements that it often went out on a Friday and would blow lots of money. I suspected that this was how it was spending its allowance. So, I arranged special sessions for us on Fridays to prevent it from going out. (I might still be out with friends though!) I wasn’t after cash but wanted to stop it spending and realising it had less money than before. While it was repaying the loan this was perfect.

After 3 more months the piggy had paid back the £1000 loan. It had paid me back £1350. Also, we had now rejigged its finances so that I was getting an extra £100. So, in effect the loan meant I’d made an extra £650.

Also to keep piggy feeling grateful I would send it little presents from Amazon and elsewhere. Like a new t-shirt or socks etc. It was a drop in the ocean compared to what it was sending me and it made it feel grateful. (It would often get a present from me and then we’d have a drain session for additional cash eclipsing the cost of the item!).

I was rinsing the piggy for what felt like an extraordinary amount. Far more that the original £328 a month. And what was especially good was that it hadn’t really noticed the rise, it was instead grateful to me. As it should be.

In 10 months, I had taken about £3450. Double what I had taken the previous year.

It was happy, piggy became accustomed to its income/allowance and was living within its means. I was happy obviously.

But I broke one of my own rules and instead of considering this extra income I folded it into my financial plans. I bought a new car on finance £300 a month. Planned holidays as well as treating myself.

Then another unplanned event happened. It lost its job. Nightmare. I was in full support mode and to be fair this was mostly as a friend. I didn’t feel that I could ditch it just because it had lost its job and we discussed me making an interest free loan if needed. (Though I was reluctant to do so as I didn’t have much spare cash myself).

Then Piggy realised it would qualify for redundancy payments. Its final wages and the redundancy money then came through. It suddenly got £13,500 into its bank account. I controlled the banking app. We agreed that this was disposable income. I had some serious sessions with piggy when I realised this was coming. Such that when it arrived and I took my 40%.

I waited for it to complain, worried whether this was legal. A friend and I discussed it and agreed that it was morally fair and inline with piggies agreement with me.

It didn’t even murmur a complaint. £5856 in one month for me! I could hardly believe it! But it had been my piggy for nearly two years and I had spent this time building up the trust needed.

The next few months it was out of work and lived off its remaining redundancy cash. I instructed it to transfer a fixed amount into the bank account each month to cover bills. I didn’t make much from it, just random sends. But I stayed there in support of it. We’d agreed that I had my money from disposable income (which was the bank balance per month minus costs) and currently there was none.

The next bonus was it got another job with a small pay lift. Plus, its car finance came to an end (£550 a month, so an extra £220 to me). Suddenly the disposable income figure rose up again. Suddenly I am taking in £750+ a month from it. I have dissuaded it from buying a new car.

It’s disposable income is up to. All partly due to the fact that it has got use to living on less. Though I think it may have setup some stuff like gym and streaming services using its allowance. But that means it comes out of its allowance, not our income.

Yes, I have come to think of the money it earns as our income.

So after 23 months of financial management I have made £16k from it. That is £5k the first year. Then £11k+ this year. Next year should be another £10k at least if we carry on. Plus the £1.5k from our first year together takes me to £17k+. Amazing.

We are still going strong. I have mixed up the rituals a bit. I still watch it on cam. Sometimes my friends watch too. It is happy. Though I realise that I have a lot of responsibility towards it. I have de-sexualised it, it is dependent on me.

The key takeway is the rules.

We agreed a percentage deal on disposable income. Although this started as a low amount, the trick is to start removing its fixed costs as much as possible. When we started Piggy spent £60 a month on the gym, £50 on streaming stuff and £550 on car payments. I removed all those payments, thus making the disposable amount bigger. I then take my 40% from that. It has subsequently rejoined the gym, but pays that from its allowance, not from the main income.

The other takeaway is don’t be greedy. When I lent the piggy back £1,000 it really changed our dynamic. It said it really ‘trusted me’ now. But I could only do that as we had known each other for a while.

The other key thing, it shouldn’t feel poor, it should feel content. To make that happen challenge what it is spending and how it is spent.

Also give it alternatives. I had a friend who let piggy stay at her foreign apartment, which reduced the amount piggy was spending on a holiday.

Final thing is exit strategy. I have introduced another Domme to piggy. We are looking at compatibility between them. The idea is she can service piggy too. If I decide to quit (for instance if I start a relationship) then I don’t leave piggy high and dry. Though at present the idea is that she is just my friend.

Hopefully this all makes sense, below is a financial breakdown.