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Immediately Take Ownership of A Million Dollar Inventory to Guarantee your online Business Success

Simple Proven Recession-Proof  online Business

... If You Can Point and Click

Then You Will Profit From The Home Income Portal

Let me ask you this ?  If you had a Retail Store with 190 Retail Store Branch Locations Worldwide, selling to more than a Million Dollars in inventory in every one of your 109 Branch Locations Worldwide to Millions of Customers !!

Will You have a Successful Financial Business on the Internet ?

 The Home Income Portal is the Ultimate Business Building Blueprint that will be Responsible for Generating Millions of Dollars In Revenue for you over The Next Year!

Buckle your seatbelt...

because you are about to take the ride of your life, and discover the most complete, most comprehensive, easy to operate online business ever devised!

The Home Income Portal blueprint is a "success plan" formulated by a mastermind group of top marketing experts.

It is the foundation upon which multi-million dollar direct response companies are built. STOP everything you are doing right now! If you are confused about what it really takes to experience success online, it is the absolute fastest way to build a *real* internet business.

A business that can quickly generate revenue, but also continue to grow and prosper month after month, year after year.

Will you enjoy Financial Business Success ?

The Great Recession is over by most accounts, but the Great Income Squeeze lingers on. This state of affair is torturing both the poor and wealthy alike.

It is Fate pointing the World Towards a New Direction in Earning Income. The only online Business that puts you on the internet immediately with your own business to generate a real income that will only continue to grow. The only online business that includes one of the most  Advanced Marketing Support Infrastructure online today.

A Team assigned to build 106 Retail Branches Around The World online on 106 established and indexed Domains (see below) with Unique Niche Content to Dramatically Generate Income that is paid directly to your account.

The Millionaire Maker Strategy

The Home Income Portal Is The Result of The Collaboration of 13 Top Experts With A Combined 62 Years of  - In The Trenches - Internet Marketing Experience.

Bottom Line: You Will NOT Find A More Complete, Comprehensive, online business anywhere!

Only one burning question remains...

Will you tap into their mastermind plan and take full advantage of the Home Income Portal that can bring you fast online profits

 

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This Is Not Just About Making Quick Profits ... It's About Building A Real Internet Business

The Home Income Portal is the final result of business evolution to provide a blueprint with the potential to create income for you month, after month.

Every Owner Instantly own a Million Dollar Inventory of ebooks, scripts, software, video and Audio Products

for their own use and Sell online.

An Ever Increasing Selection Of Audio, Video Tools, AND Tutorials To immediately build your profits online ....

Like Selling Digital Products Daily to Millions here .

Full Digital Product Inventory and Secret Affiliate Strategies for Daily Sales in the Owners Lounge.

Tradebit.com

Earn Full Profit from your private Digital Product Sales and up to 75% Affiliate Commissions on every Referred Sale.

Inside The Home Income Portal Owners Lounge, you have more than A Million Dollars in Digital Product Inventory, it cost you zero dollars- yet produce Millions in sales for you, simply by using the Super Affiliate Sales Strategy inside.

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There's no time like right now to get started! It won't cost you a penny to start driving Income to your Bank Account.

If you've tried and tried again to Break Through in Affiliate Income Generation, and have a hard time doing so - that's all about to change.The Home Income Portal will change your Life.

The Traffic Train travels through 130 Million Websites Worldwide, with 100 million or more passengers daily - uniting Communities everywhere delivering Traffic at every Stop.

Viral Traffic Dominator Activated

 

 

Starting an online business can be confusing to many,  perhaps even TO YOU !!

 

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Leverage The Power of The Internet  with your online Business Ownership

home income portal

Explode Your Passive Income while you Dominate the Internet with this Revolutionary New Passive Income Building Website

It Is Already
Making Thousands a Day in Profits For People Just Like You

The Home Income Portal Pumps Out Sales   for you twenty four hours a day, seven days a week.

The Home Income Portal ..

DON'T Require Huge Amounts Of Capital To Get Started... only a small Hosting subscription is required

Produce Super Fast Profits...  online   Step-By-Step Customizing your Affiliate Codes in the Owners Lounge that takes A Couple Of Hours And Generates Steady Profit.

Doesn't Take Any Special Technical Knowledge Or Even Hard Work To Earn Thousands Of Dollars Per Month... You Don't Even Need To Know How To Set Up A Website!

Will Work For YOU... The Home Income Portal is So Easy Yet Effective It Doesn't Matter What Age, Sex, Education Or Background You Have

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There are tons of so called Gurus out there in Cyberspace selling 'How to" ebooks on the subject of 'Starting your online business', most of which (in reality), is either just repeated info from someone else or proven to be ineffective.

The Home Income Portal online Business puts you in your own online business immediately, and get you earning with your own products and services instantly.  The Home Income Portal is the Only Formula That Will Build You A Long Term Online Business starting Right Now !!

At the heart of your powerful web site will be the best-selling searchable web mall available anywhere. This mall is stocked full of the web's hottest selling products and services.

There is nothing for you to stock, nothing for you to ship, and no payments to process! All of these details are handled for you by The internet retailer.

Each Franchise Owner have their own unique identity that is automatically tied to each and every single one of the products and services.

Your Retail profit (up to 75% on each and every sale paid directly to you) of these thousands of products and services from your 106 Income Portals!(see below for these portals) That's right, I said that you can profit up to 75% on each and every sale!

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

The Internet offers You the Quickest, Simplest & Downright Laziest Ways to earn a Passive Income from Home.

Let Me Show You How It is Possible For Anyone Regardless Of Their Skill Or Experience To Claim their Piece Of This Multi-Billion Dollar Phenomena"

No Experience Needed,You Can Do This Even If You Are A Newbie!   Super Secret Affiliate Strategies Employed by The Home Income Portal Team will Have you Building Cash Every Single Day, with your Home Income Portal.

(* you pay a small monthly hosting fee)

We Do This For You

Traffic is Flowing through to all Home Income Portals from  Guaranteed Traffic Contracted from

MONSTER TRAFFIC click here

 

 No Products Needed - We' Build and Install For You 106 Passive  Income Websites Stuffed with Thousands of Products and Services-some you own outright.

You are Paid Directly by all your Customers and by Your Affiliate Programs. No one on the internet is doing this, you earn as much as you like, there are no limits.

No Website Needed! (only The Home Income Portal will do this for you) - 106 Passive Income Website are installed with your unique identifier on 106 Domains to start you earning directly in your Worldwide online Business.  

We took the Home Income Portal and fused it with the best-known affiliate income programs to give you total control over all of the affiliate programs that YOU choose, like clickbank, Amazon, Webdawg, and much, much, more ...

Building a reliable, predictable income from the internet requires that you not put all your eggs in one basket so to speak. We have selected the most dependable and respected affiliate programs and integrated them right into each and every Portal.

You select the ones you want to use to build your income and with a few clicks of the mouse Voila! the products and services appear right on your Portal- as simple as that!

Most Newbies started their online business just like this. They build their income starting with just one check or Paypal Payment - and build their business to receive OVER 120 checks each and every month! That's like 4 payday every single day of the month!  Every Successful Newbie LOVE doing business on the internet!

 

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You can do it too!

The Hottest Selling Products!

 

Banner Fiesta

Banner Fiesta is your Full Time Banner Rotation Service that delivers over 14 Million Impressions from our Network of 300 Million Website Pages to your Customers.

Your Customers Pay You Directly 14.00 USD every month to subscribe for this Service.

Click Here to Subscribe For Banner Fiesta From   Me, Get Your Website Visible on 4 Million Websites

Start Promoting TODAY for Unlimited growth and Unlimited Earnings.!

Free Set-Up!:  Your Professional Team Will Set Up your online Business For You Absolutely Free. Start achieving unlimited income immediately

Crush Your Competition INSTANTLY and Make A Killing Online.

Not only does it work for me, it can work for anyone. I mean that. This will work for absolutely anyone, because you are earning your income from home through The Most Successful Internet Companies Today, and they pay you DIRECTLY.

Yep, that is right - You are paid directly, therefore its all yours - Every one of the 106 Website earn you passive income directly.

Therefore, lets get real. Most newbies - Heck !!, 99% of all New Entrepreneurs online will fail in the business adventures because of these reasons ...

OK, Sounds Great......So How Does It Work?

Dominate Any Niche And Drive Hordes Of  Traffic, With Wallets In Hand, To Your Very Own online Business That Is Ready To Start Pumping Out Sales For You Today

The Home Income Portal is a fully featured online business that consists of a totally installed marketing infrastructure that sprawls Worldwide on 106 Passive Income Building Websites, each on seperate domains, designed with newbies in mind for ease of use, but powerful enough that even the most seasoned webmasters are building their business with The Home Income Portal !!

Simply put, pretty much anyone can use and earn unlimited Income From Home with a Home Income Portal

 

 

 

The Home Income Portal ..

    Each Home Income Portal site is custom built around unique 106 Domain Names. We install your complete Passive Income Websites.

    No Webmastering skills or experience needed!  Your Home Income Portal is automatically updated and maintained by our professional staff.

    No Products Needed! Each Home Income Portal automatically places the hottest selling products instantly in each page of your Home Income Portal.

    Your Home Income Portal automatically displays thousands of ClickBank products with your ClickBank nickname built right in!. Each product pays you up to 75% commission.

    More Flexibility & Control? That means that no two Home Income Portal sites will ever be the same, you offer your customers unique content and products. It is simply the most powerful and dynamic way to build your Passive  income from Home.

Honestly, if you can't make money with The Home Income Portal, you are either in the wrong business or you are dead. Nobody & I mean NOBODY offers you what Home Income Portal does.

 

Heck !!,

I do not want to wait, I want my own Worldwide online Business. Subscribe me now ..

We Do This For You

Traffic is Flowing through to All Home Income Portals from  Guaranteed Traffic Contracted

from

Revisitors

click here

Check out some of  Features  ...

 

The Home Income Portal Has It All

    Plug-n-Play' Live online Business Generating Sales & Income all Year Round in Real Time

    This is your online Business. no hype, Your customers pay you Directly. This is not an affiliate program, its your business.

    Your Customer Pay You  100% (percent) of the Full Retail Subscription Price Directly for all your Products and Services like Traffic Magnet and Banner Fiesta.

    Immediate Products and Services provided, No need to develop and build a product or service by yourself for sale. (see products and services below)

    Traffic Stream Installations. We continue to Install Each Traffic Streams directly to your Portals. It is very Time Consuming, since each is done manually for you.

    Advanced Auto Bot Technology  State of the Art Technology automates the entire process in building and generating sales for you.

    Your followers are on self growth. This means you will have hundreds of  thousand followers coming to all your Portals. This, will create 2 Events,

  • Grow your Backlinks Automatically
  • Direct Traffic To Your Portals

    Your Customers Start Buying From You.

    No Hidden Costs, Simply a Hosting Subscription

    All of the above features, to get your Income Recovery Program started right away with your online business.

    Complete All Year Round online Business Hosting. You do not need to worry about Hosting Accounts,FTP, uploading or Bandwidth. We Host your entire online Business Live, all year round.

    Your Team Install and Host your (completely designed and ready to do business on the internet ) online Business Website

    Your online Franchise Business is Live doing business on our network of servers .

    Handle all Maintenance and Support entirely on a Subscription Basis

    Nothing on the Internet compares to it, you get it all with the Home Income Portal Franchise Website. Unlimited Bandwidth, No Fuss,No Worry Hosting Solutions for your online Business, products and services, affiliate income and Multiple Streams of Income.

    All your Customers receive Full Customer Support from a Central Support Department. You invest more of your time building your online business.

    Full Professional Web Design and Update. A Design Team creates Professional Web Design and updates it seamlessly for you. No need to create Websites or anything. Expert Web Designers do it all for you.

    Search Engine Sitemaps Created. You need your online business to get Organic Traffic from Search Engines across the Internet. We create the Sitemaps and Submit them to Search Engines across the Internet for you.

    Back Links to all your Portals. Your team manually build 'back links' for each of your Portals to get it visible on the Internet.

    Page Rank Rules, and building back links is the most powerful way to achieve this.

    Integrated Traffic Streams Constructed Directly to Your Portals. We've ensured that all search engine optimisation techniques including naming of images, alt and H1 tags and inner linking has been coded into your Home Income Portals across the Internet Worldwide.

    This will help your sites rank higher in the search engines.

    Live Real Time Update - One Stop Update. Complete your Owner Profile in the Owners Lounge and your Retail online Business is instantly updated Live in Real Time.

 

 

Click on CCBill Button to Subscribe

Your Products & Services

The Hottest Selling Products!

Click here for products and Services. You are paid directly for every sale. It is Your online business that we install and host for you. There are subscription services that build your recurring income. Traffic Magnet and  Banner Fiesta.

Clickbank Videos

Click here for the Clickbank Videos installed for your online Business. Clickbank pays you directly for every sale. Professional Video Infomercials (See below in Module sells your clickbank products 24/7 on all 140 Home Income Portals.

This is your ultimate  Affiliate Master Money Maker. We simply install the fastest selling Clickbank Products in its own Informercials for you.

click play to see what its all about

Click Bank Products

Click here for the Multi Income streams installed for your online business.

Clickbank Products is at the forefront in creating daily success stories for the Home Entrpreneur.

All Products sold, pay to you the Full Commissions Directly by clickbank. All it takes is this - Enter your clickbank nickname in your Profile, and clickbank pays you directly for every one of their 170,000 electronic products sold.

The Clickbank Mall is a fully hosted resource that sells your 170,000 clickbank products fulltime, all year round to drive profits directly to your home.Companies pay you directly,  We simply install them for you.

Multi Income Streams


You Control How Much Money You Make!

Click Here For Multi Income Streams that are completely Installed For Your online Business

And the best part is, you can visually see exactly how much money you're making simply by logging into your account and looking at your daily sales!.

I love clicking on my earnings more than anything in the world and, I check it all throughout the day! It's really motivating to instantly see the money you're making.

You don't have to wait and see your pay...

you can see it verified anytime you want in your personal account. It's a really amazing, comforting, and uplifting feeling you have to experience for yourself!

Of course, if you subscribe today you WILL get to experience this!

You can Stop a Lack of Income dead on its tracks Right Now, Right Here.   Here is a List of Affiliate Income you can immediately signup for Free,

This List is compiled from sources across the Internet by The Research Department,  and rigourously tested for stability, security and dependability (Never missed an Affiliate Payment). They will provide you with a combination of  Passive Residual  Income and Recurring Income, all in the Comfort of your Home.

You don't have to wait 2 weeks, a month, or even one week to get paid - not at all! With the companies that will be paying you, they pay you when orders roll in! Guess what, you will be having a LOT of orders rolling in so I hope you're ready!

It gets better, almost 75% of the companies pay you on the very same day! The other 25% only take 2 - 3 business days to transfer the money you make directly into your bank account.

The companies are reputable and I've never had a problem with late payments in the 8 years I have been working online full-time.

It makes this an outstanding opportunity for anyone who needs money right away!

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I want to work from home or anywhere else I choose.

Earn Money with AlertPay

 I want to have a job that will give me all the free time I want.

 I want to spend more time with my family.

I want an income that will give my family more than we need.

Web-Dawg
Webdawg Recurring Income

Monetize with POGADS

Discover the ability to help other highly successful companies in promoting their products and get paid a handsome commission for every single bit of business you help them get.


Group Mailer - Affiliate Recurring Income

Companies are rapidly moving toward a new model of marketing, and that model is based on people like YOU to get the word out about their products.


Traffic Swarm - Recurring Income

You can do this anywhere in the World. You're no longer an employee, you can be my partner! When you sign up now, you are becoming a partner of a company working for yourself! You can start building your financial future.

The Silva Method - Residual Passive Income

Native Remedies - Residual Passive Income

Anyone at any age over 18 years old

from any background can do this quickly and

Start making Money on the internet Right Now.

Market Health - Get 5 % on All Products Sold

Sales Developers - Direct Residual Income

Auction Traffic Mastery - Residual Passive Income

Effective Learning Systems - Residual Passive Income

Horses For Sale - Residual Passive Income

Universal Marketing Media

The Highest Paid Affiliates on the web.

We will pay you 50% for each sale you refer, 2nd-tier commissions of 5% per sale, and 3 cents per click/visitor you refer to our site.

We wll treat you like Gold from day one with great prizes and incentives, friendly affiliate reps, and real-time online stats.

You\\\'re going to love Universal Marketing Media, and we\\\'re sure that we are going to love you.

Become a Universal Marketing Media affiliate/partner today! click here

Universal Marketing Media - Passive Residual Income

ViralEbookExplosion Massive Viral Profits - Quickly Create Your Own Cash Producing Branded Ebooks

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Earn Lifetime Residual Commissions from The Hottest Selling Products Online....

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Affiliate Income Streams

And so you know, the personal account you will set up when you join is very easy to use.

It was specifically designed so that even someone with no computer experience at all could learn to use it in just a few minutes!

If you know how to check your email and surf the web, then learning how to navigate around your personal account will be jut as easy.

You will get clear step-by-step instructions, and everything is straight-forward, with easy to fill out forms, easy to read text, and big visible buttons.

Click here for Affiliate Income Streams installed for your online business. Companies pay you their Affiliate commissions directly,  We simply install them for you.

  • You could choose how often you want to work You can achieve financial freedom and never worry about money ever again
  • You can have all the time you want to spend with your family  You can take vacations when you want, and for how long you want
  • You don't have to ever wake up to an alarm clock anymore .You can do this part time or full time, you choose
  • You can work from home, or anywhere else in the world .You can work in your pajamas if you don't feel like dressing up
  • You don't have to drive anywhere and waste money on gas for work .You won't have a boss hovering over you anymore and telling you what to do
  • You don't have to worry about getting fired or laid off . You won't have to deal with office politics or nasty co-workers
  • You can give yourself a pay raise anytime you want

 

    I want to work from home or anywhere else I choose.
     
     
    I want to have a job that will give me all the free time I want.
     
     
    I want to spend more time with my family.
     
     
    I want an income that will give my family more than we need.
     
     
    I want to travel whenever I want.
     
     
    I want to do something that I enjoy.
     
     
    I want to be able to make as much money as a doctor.
     
     
    I want something that will be easy to do.
     
     
    I want to only work a few hours a day.
     
     
    I want to be able to make money whether I'm actually working or not, automated income.
     
     
    I want (and need) to start making money right now.
     

Text Ads Income Streams

Click here for Text ads Income streams installed for your online business. Companies pay you directly,  We simply install them for you.

Hot Zones on this Portal, and on all 106 Portals is beamed directly from The Marketing Command Center

  • Live Content beamed directly from The Command Center to  Hot Zones on your Income Portals. These Ads are fiercely competing online for Sales. This is the ultimate technology that converts visitors into customers. All implemented for you behind the scenes in a seamless and transparent manner.

LIVE HOT ZONE

Welcome to Twitter Income Magnet

Twitter Viral Marketing

" wetweets.com offers the perfect
Viral (web based) Technique for Twitter Traffic ..." 

Leverage The Power
OF A Social Phenomenon
That is Sweeping The World . . .

And Get Your Website in Front OF Hungry Buyers Every Day 24/7 -- Faster Than You Ever Dreamed Possible?

And in just two short months, my total list of followers had ballooned to just over 30,000. "

The best part is, they are not just "any" followers...they are BUYING followers! (more on this in a bit...).

Command tons of hungry buying traffic and direct them to your websites by using Twitter. It (Twitter) is growing very fast, and now is the time for Affiliate Income Marketers and Online Business Owners to jump ahead on this revolution and utilize this Powerful Social Revolution to generate more Sales and more Income.  

If you use Twitter correctly, you will quickly have tons of  hungry buying traffic to build your sales and your income. Twitter is a social networking website that is totally mobile. This is blackberry magic, allowing users to post details about themselves in 140 characters or less.

You micro-post an Informercial seen by Millions INSTANTLY.

Twitter will gain you more customers, to ultimately drive your online business to explode with more sales and more income. 

We are in an age where people hate to be sold to, and they can tell (if they are being sold to) from a mile away! So we must use different techniques to sell our products, services or affiliate links, and that is what we will be doing here.

Gain the cutting edge actions you need to correctly gain a rabid following of BUYERS.

The Twitter Income Magnet is so Powerful, it cannot be revealed in Public. You MUST be a Member of the Inner Circle, to take advantage of  the incredible Twitter Viral Marketing System.

Start building your incredible Traffic Machine Direct to your website and generate More Sales and Income from 39 Million Tweeters and growing every second.

Grab your share of customers and experience the sheer power of this incredible system in action

Immediately gain ALL of the incredible benefits of The Twitter Income Magnet Free and start building your Phenomenal Buying  Traffic Now

No Hype, No tricks, No Bonuses, No need for Lengthy Testimonials. You are in control. Get the Power of Twitter building your Traffic Instantly.

We are on Pre Launch - Mobilise Your Twitter Traffic Free  

Now here's what you gotta do next...

Enter your Full Name

Enter your Chosen Username

Enter your Chosen Password

 Enter a Valid Email (activation required)

click on Pay Nothing below

  • Satellite Portals on 106 Domains Actively Selling to Customers For You night and Day.

 Worldwide Portals Installed

click here to see the Worldwide Portals we install for you.

Thousands of  Dynamic Article embed pages are implemented searching the Internet 24/7 For Hungry and "Ready to Buy" Customers to deliver to your Home Income Portal to Generate Sales and Income For You.

Dynamic Content

click here to see The Dynamic Content in Action

Personal Finances - K.I.S.S.ing Your Checking And Credit Card Accounts

by    George Gilbert

My Dad and father-in-law were at both ends of the spectrum when it came to managing their checking accounts. Dad would spend hours, sometimes days, tracking down a two cent error in his checkbook register. It drove him bonkers when his checkbook didn't balance to the penny with the account statement.

My father-in-law, on the other hand, didn't even keep a checkbook register. He couldn't be bothered with balancing his account. His philosophy was, "If I run out of money the bank will let me know." That is a hands off approach that few of us can get away with, but, it worked for a person that was born and lived in a town of less than 800 people. The bank did, indeed, let my father-in-law know when he was overdrawn. They never, to my knowledge, charged him overdraft fees.

That approach can work in a small town in Northern Idaho. Most of us, however, do not have that kind of a relationship with our bank. In order for our personal finances to run smoothly, it is our responsibility to make the lifestyle choices, and do the work associated with managing our day-to-day finances. How we handle our checking account and credit card transactions is fundamental to keeping things running well.

My Approach Is Somewhere In The Middle

My approach to managing our family checkbook register is somewhere between the two parental extremes cited above. My wife, Lois, and I record all transactions in our register and, like clockwork, I balance our account every month. What I don't do is spend an unnecessary amount of time trying to find errors when our account doesn't balance with the statement. If the error is within comfortable limits, I adjust the account balance and then get on with my life.

What's a "comfortable limit?" That depends on the account balance. My error tolerance is directly proportional to how much money we have on hand when the error occurs. Balancing errors don't happen very often. More often than not our checkbook balances to the penny. The accuracy can be attributed in some measure to the fact that I use personal finance management software.

The point is that personal finances do require some work, but, perfection may not be desirable. There are a lot of people involved in the processing of the various transactions each of us generates as part of our monetary lives. Those millions upon millions of transactions, large and small, are all subject to our own human error as well as the human errors that can be committed by all of those people behind the scenes who we rarely think about.

It behooves us, therefore, to keep tabs on the pulse of our personal finances as recorded in our checkbook and credit card accounts. This ongoing monitoring can be psychotic or a normal, healthy part of our lives. It's up to each one of us to decide where we stand on this issue. Will we adopt a fringe behavior like one of my parents? Or will we keep it sane and simple (K.I.S.S.)?

Using Tools Imposes Lifestyle Choices

Using a cash flow management tool forces you to make choices by imposing lifestyle traits that are required if the tool is going to work as intended. That may sound intimidating, but, for a well written, user friendly program, the required lifestyle traits are not an undue burden. For those of us who are sincerely interested in having "more money than month" instead of "more month than money," developing a few, possibly new habits need not be a harsh adjustment. The payback in financial peace of mind is very well worth it.

Choices We Make Regardless

First, let's take a look at those habits that will make your financial life easier regardless of whether or not you use personal finance software.

* Keep your checkbook register accurate. Your checking account is probably your primary money management tool. It just makes common sense, in my opinion, to keep your checkbook register up-to-date and accurate. If you are not used to writing every transaction (e.g. checks, ATM transactions, deposits) in your checkbook register, or balancing your checkbook every month, these are habits you may want to look at developing immediately. Should you decide to use a money management program, an accurate checkbook is imperative.

* Keep an accurate record of charge transactions. If you use charge cards, keeping an accurate record of your charges and returns is also vital to the success of your cash flow management efforts. In my opinion, not keeping track of charges is a main contributor to why many people get into trouble with charge card debt.

I think it is vitally important that, starting today, you keep the receipts from all of your charge transactions for no other reason than for reconciling your monthly credit card statement. If you are using appropriate personal finance software, charge transactions are entered into the program as soon as convenient. The program will, with accurate charging information, keep you informed of where you stand on your charge card debt.

Choices Imposed By Software

The following issues are specific to the successful use of many personal finance programs.

* One checking account. How people manage their personal funds is very, well, personal. For a single person, the choices are simplified. Once a person takes on a partner, however, personal finances can become complicated depending on how much financial autonomy each partner requires.

Regardless of how many savings and checking accounts each single or partnered person may have, at least one checking account is normally required for use with the software. This one checking account, coupled with the program, is used to plan for and pay bills; plan and pay for planned purchases; and to smooth out weekly living expenses. The intent is for the program and it's associated checking account to encapsulate a person's entire month-to-month financial records.

* Pay bills on a schedule. Instead of paying bills when you receive them or when you get paid, pay your bills on the same days each month. An appropriate schedule for most people would be on the 1st and 15th of each month. The mechanics of bill payment (e.g. check, cash, online, automatic withdrawal) are entirely up to you, but, sitting down twice a month and arranging for your bills to be paid on or before the date they are due will simplify and smooth the paying of your bills.

* Pay yourself on a schedule. "Paying" yourself a fixed amount of spending money the same day each week regardless of when you receive your income will smooth out your day-to-day expenses. How much weekly spending money you give yourself is entirely up to you as is the weekday on which you "pay" yourself.

The trick is to find that amount of weekly spending money that is enough for day-to-day expenses, but not so much that you don't leave yourself enough to pay bills. An appropriately written personal finance program will automatically include your personal "payday" in your month-to-month financial projection so you can easily see whether you have correctly set your weekly spending money amount.

* Keep accurate records. An appropriately written personal finance program gives you a "forward looking" projection of your month-to-month cash flow. When using such a tool, keeping your cash flow projection current is the key to giving you a continual picture of where you are and where you're headed. You will, therefore, have to be consistent with keeping your month-to-month financial records current.

With the right personal finance software, this does not have to be a big chore like keeping track of every penny you spend, or entering and categorizing every check you write. In an appropriately written personal finance program, most of your record keeping will consist of entering bills when you receive them, entering charges as you incur them, paying yourself once a week, reconciling bank and charge account statements, and paying bills. Typically, all of this financial activity will take two to four hours per month.

Paperwork Flow

There are a couple of habits that Lois and I have developed that simplify tasks like the keeping of accurate records. When any piece of paper is received on which is recorded a financial transaction, that piece of paper is placed in our "In" basket.

While most of our financial transactions are handled electronically, there are still items like charge slips, magazine subscriptions and account statements that are printed. By placing all such printed items in one place, they get recorded in our computer records accurately and in a timely manner. It is unusual for one of our paper transactions to be forgotten.

Those pieces of paper that are needed for account reconciliation, like credit card receipts, are put into a "Hold" folder after having been recorded in our personal finance software. Those pieces of paper that are not needed after being recorded are shredded or burned. After reconciling credit card statements, all of the pieces of paper for transactions that have cleared are removed from the "Hold" folder and also destroyed.

It's a simple system, but, it works for us. As long as everyone in a household knows the "paperwork flow," and habitually uses that flow, the chances that transactions will be lost, resulting in potential financial errors, are greatly reduced.

Being Big Brother To Your Checking Account

Another habit that I have adopted is the close, online supervision of our checking account. I'm a big fan of online banking which gives me almost up to the minute information about the status of our checking account. As part of my computer startup procedure, I take a look at the activity in our checking account. This may sound a bit paranoid, but, I've been able to spot unexpected activity on several occasions.

There has been nothing traumatic like identity theft, but, by keeping a close eye on checking account activity I've caught unexpected withdrawals shortly after they happened instead of being surprised on the next account statement. The most recent example involved automatic credit card payments that I thought I had cancelled.

It took two months working with the credit card company's customer service staff to straighten that one out. Had I not spotted the first unexpected payment when it happened, our checking account could have been short by $75.00 each of those two months. That may not be a large amount, but, it could have been enough to cause a potential, inconvenient problem if left undetected.

Financial Peace Of Mind

All of the discussed lifestyle habits are so firmly embedded in Lois and my everyday lives that we no longer even think about them. Consequently, our month-to-month finances are smooth with few interruptions. When we do have to discuss financial issues, it's a discussion over known choices instead of fights over who is doing, or not doing what.

Money is not a source of discord in our lives like it can be for couples. Lois and I have been enjoying financial peace of mind for most of the 40+ years of our marriage. This financial bliss can be attributed directly to the unique cash flow techniques upon which our personal finance management software is based.



Author Resource:- George Gilbert writes software for personal computers. One of his popular titles is myOwnPayday, an innovative approach to personal finance that was created out of practical necessity. Find out more about this innovative program at 2goodsoftware.com.

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