FNARP Personal Spending Designer - Version 4.13 FNARP™ is a personal finance program that uses a unique “spending design” concept. This process can help stop you from living paycheck to paycheck, fight debt quickly and safely, stay out of debt, and get more things you want responsibly. It blows other “budgeting” program away. Includes: 8-weeks with a free personal spending coaching via email. Please provide email address. 2-month trial period with no functional limitations.