Quang Van asked:


Personal financial literacy isn’t something taught in school. We often develop personal financial habits from our parents.

This could be a very good thing or very bad thing, depending on how well your parents managed their personal finances.

Money however is a very sensitive topic for most people and most culture. The fact that the subject of money isn’t openly discussed means that it is vital for people understand how to better manage their personal finances.

I hope one day money will be discusses in schools just is how sex education is discussed. Their should be a “Safe Spending” class in school.

Millions of young people are in debt because of lack of financial education. Here are some tips on how to keep your personal finances in order:

1) Get a checking account. First off, if you don’t have a checking account, get one. Your checking account will be the hub of your personal financial management system.

Your checking account is the place where most of your money comes in, and goes out. You use it to deposit your work checks, and to pay your bills.

The benefits of having a checking account far outweighs the drawbacks of potential fees if you don’t manage it right.

2) Balance your checking account. Once you have a checking account, you should always know how much you have in there. That way you know what you can spend, and not have to pay banks over-draft fees which could be anywhere between $10 – $50 dollars.

Make sure you know what’s in there and keep it up to date. With the online financial tools available for you today, that shouldn’t be a problem.

You might even think about keeping a buffer. Like a $50 or $100 buffer, so you don’t go over your limit. You do not want to be squatting $0.00 because you are just one mess up from happening to get hit with banking over-draft fees.

3) Start saving for a rainy day. Do not spend more then you have certainly, but don’t spend more then you make as well. Save up for a rainy day. You should have an emergency savings account, totally at least 3 months of your monthly expenses.

4) Get a credit card. Yes, get a credit card, to build your credit. Make sure the credit card has no membership fees, but if it’s your first card you might have to put up with the fees. If you are a student you can get a lot of student credit cards.

The key with credit cards is to get it, use it for a little, but do not use it habitually. Keep a $0 or a really low balance. If you are using more then 40% of the credit balance you are in trouble. Pay down the balance and stop using it.



Paid Surveys At Home

Andrew Bicknell asked:


Being disciplined when it comes to personal finance budgeting is a key component for anyone seeking financial freedom. Taking control of your finances is the first step to starting down the road to building the life you always wanted and the quickest and easiest way to do this is with a budget. The most critical part of the personal budgeting journey is the emotional and mental side of the equation. Why?

Our behavior with money is the reason most of us get into financial problems in the first place. Our own wants over ride our common sense and before we know it we have a house full of stuff that we end up paying for twice over. Many financial experts say that personal finance is 80 percent behavior and 20 percent math.

This is where the household budget comes into play. In this day and age the great majority of people have no idea how much money they make each month let alone where the money goes once they cash their pay check. Before long this behavior catches up with everyone and they are in perpetual catch up mode when it comes to paying bills and meeting their financial needs. A budget, if done honestly, allows you to see exactly how much money is coming in and not only how much is being spent but also what it is being spent on.

Once you see what you have been spending money on you can come to grips with the bad behavior that has gotten you, and so many others, into a financial mess. Eating out two or three nights a week, going out to lunch everyday, that morning visit to the coffee shop, they all add up and chances are once you look over your written budget you will find many areas where expenditures are a little to high and are breaking the budget.

Here are four personal finance budgeting secrets to help keep a new budget on track.

1. Probably the hardest part of keeping a budget is keeping track of daily expenditures. One way to do this is to keep a small log book or ledger where you can keep track of your daily expenses.

2. Before going grocery shopping it is a good idea to make a list of the things you need. Check the fridge, the cupboards, and the pantry to make sure you aren\’t buying stuff you already have. Stick to the list once at the store and do not buy things not on the list.

3. Going to the store just to do some shopping is one of the easiest ways to suffer from an impulse purchase. Nothing will destroy a well thought out budget quite like an impulse purchase.

4. For large purchases over $300 or more it is a good idea to step back and wait a day or two before committing. Once given the chance to think it over chances are you will realize you don\’t really need it.

Personal finance budgeting is about taking responsibility for your money and hunting down and killing those behaviors that are costing you money. The beauty of the budget is it shows you exactly how your behavior with your money is affecting your financial situation.



Is The Law of Attraction All Hype?

Vince Shorb asked:


economic slowdown has reached more people the movement of financial responsibility is sweeping across the nation. Teaching personal finance and raising money smart kids is now more important than ever.

James Truslow Adams, the man that coined the phrase “American Dream” in his book Epic of America, is quoted: “The American Dream is that dream of a land in which life should be better and richer and fuller for everyone, with opportunity for each according to ability or achievement.”

Teaching personal finance and raising money smart kids give our children the ability to recognize and capitalize on opportunities which will help them in pursuit of their own personal American Dream. This “Dream” can be achieved with practical financial knowledge and through teaching personal finance our children’s future will be much brighter.

Our children face an almost certain future of higher taxes, less services, and the elimination of the current social security & Medicare system. Read the reports from the Government Accountability Office and you will find that the SSI system will be bankrupt in 2037.

Although it is true that our children will face bigger economic challenges than we had to go through; however by teaching personal finance and raising money smart kids they will be able to achieve their own personal American Dream.

What is available for us to begin teaching personal finance to our kids? Schools’ With all the requirements placed on testing (No Child Left Behind) and the disturbing fact that most schools aren’t given the budget they need – this probably is not where most of our children will receive their financial training.

Parents – Most youth do rely on their parents as the primary source of their money knowledge; however, as the statistics clearly show, most parents do not possess the knowledge necessary to effectively teach their kids about money. They want money smart kids but most were not trained on how to begin teaching personal finance to their children.

There are financial literacy courses that are designed to help you raise money smart kids. Recent home-study financial literacy courses are now on the market and are designed to educate & entertain youth while instilling practical financial lessons. Some even have partnered with sport stars & celebrities to create a powerful draw so your children want check out what their favorite celebrity is doing and picking up money lessons along the way.

There have been several courses that are specifically designed to help parents to begin teaching personal finance. These courses walk parents through the basics of raising money smart kids and often the parents learn as much as the children.

Nonprofits – There are many nonprofits doing great work helping to spread the message of financial literacy and training our youth with practical money skills. Fortunately, financial literacy grant money and corporate sponsorship are empowering many nonprofits with the ability start teaching personal finance so the next generation the pickup the practical financial lessons we “learned the hard way”.

Private Companies – There are companies that thrive in every type of economic environment and in an environment where a lot of people are going through tough circumstances, financial education companies stand to profit while helping people improve their financial situation.

Right now the financial literacy movement is expanding faster than ever at the grassroots level. People want to begin teaching personal finance to their children because they want money smart kids. We commend you on reading this article and looking for ways to empower youth with the financial literacy skills they need in the ‘real world’

Through collaboration with parents, nonprofits, schools, teachers and business leaders – we can begin teaching personal finance and ensure we are raising money smart kids. Doing so will help these youth get the skills they need to live the American Dream.

Paid Surveys At Home

George Bell asked:


It is quite unnerving to realize that when confronted with financial needs, you are not able to fulfill them. Arranging finance can prove to be difficult as the choice between the available options is difficult. Through Personal Finance, the borrower can take up the money easily for his needs without much difficulty and hassle.

When the need arises for arranging finance, the borrowers are suggested to look online and research. This will help him in getting lower rate deals as competition is very stiff through the online mode. The borrowers can compare the deals that are available to them and can choose the one with the lowest rates.

Any personal needs of the borrower can be fulfilled with the help of these loans. Debt consolidation, home improvement, car purchase, wedding expenses, educational expenses, travel expenses, holidaying expense etc can all be dealt with using the borrowed money.

This finance is available to the borrowers through the secured and the unsecured form. The borrower can take up the secured form of this finance by pledging an asset with the lender and borrowing money in the range of £5000-£75000 for a term of 5-25 years. Rates are lower for these loans. The borrowers can also take up the unsecured form of these loans without the need of pledging collateral. The amount that can be approved through these loans varies between £1000 and £25000 and has to be repaid in 6 months to 10 years.

Research and comparison between the loans quotes offered to the borrowers can help him in getting knowledge as to which loan deal is the best for him. This research is very beneficial when conducted through the online mode. The borrowers do not have to meet every lender personally to get the loan deals. The processing is faster and competition is stiff in the online financial market.

With personal finance, the borrowers will never face any financial difficulties. Their needs will be easily solved with the borrowed money.



Is The Law of Attraction All Hype?

Vince Shorb asked:


re than ever it is vital that we begin teaching personal finance so our youth are prepared for the financial realities of the real world.

Teaching money management skills that are focused on a ‘practical’ financial education will help to reduce debt, increase savings and ensure the financial security of millions around the world.

In today’s age, it is more important than ever that parents start teaching money management skills to their children. Teaching personal finance is not done in most schools due to budget restrictions and other red tape. Schools have a lot of other required coursework they must teach due to the ‘No Child Left Behind’ and teaching financial literacy is not part of that bill.

Looking at the statistics it is apparent the majority of parents do not have enough knowledge to teach financial literacy to their children. In fact, many parents today are experiencing financial troubles and wish they had someone that was skilled in teaching them personal finance matters.

Teaching money management skills in today’s age is critical. There simple way you can begin teaching personal finance to your children so they are prepared for the real world! Even if you have made financial errors yourself there are teaching financial literacy resources available to help give your family a big advantage.

Three Tips to Teaching Money Management Skills Teaching personal finance will help your children to achieve financial security and can give them an advantage that they will benefit them throughout their life. Check out the list below to discover the top ways to teaching money management skills.

1) Financial Literacy Lesson Plans – Today there are financial literacy lesson plans available that help parents that want to be teaching money management skills to their children. Make sure the personal finance curriculum plans you choose have been designed by a team of experienced professionals. Teaching financial literacy is much more effective when the financial literacy lesson plans were developed by a team of financially successful entrepreneurs and teachers that have a track record of financial literacy lesson plan development experience. Teaching personal finance curriculum that combines top teachers with business leaders will put you immediately on the right track.

2) Communication – The backbone to teaching personal finance effectively starts with communication. Today’s youth are not focused on just “money”. It’s what money ‘allows them to do’ that motivates our children to learn about personal finance. When you teaching financial literacy be sure to ask about their personal dreams and find out how they want to live their day-to-day life. Then relate their aspirations to how having a solid understanding of money can help them reach their goals faster. You will be pleasantly surprised at how many youth want to learn about money when it your teaching money management skills that focuses on lifestyle.

3) Entertaining – By the time the average student graduates from high school they may have been in over 10,000 classes. That is why it is important that you are teaching personal finance in a way that makes you stand out from the thousands of presentations. Teaching money management skills in a way that engages the students will keep their interest. Teaching financial literacy in a fun, entertaining way will help them internalize financial literacy lesson plans so they benefit from this knowledge throughout their life.

These three tips lay the financial foundation that will make truely make a difference in the life of your children. Of course, it is important to be teaching personal finance on an ongoing basis so your children continue to have the advantage of a financial education as they enter the real world.

By teaching pesonal finance to your children they get a ‘head start’ on life and are prepared to meet its challenges. Teaching money management skills can help your child achieve financial independence at a young age and avoid many of the financial pitfalls many of their peers will find themselves in.

Forex Candlesticks Made Easy

Clint Jhonson asked:


If you want to get wealthy, your first priority is not always how to land a job that will pay you big time. What you should concentrate on instead is coming to terms with personal finance. This is actually more important, because personal finance will determine how far your money will go for you, and how good you are at making something – even a small amount of cash – a whole lot more significant.

There are many things you can do right now in order to get wealthy, and the very first step that you should take when it comes to personal finance is to live beneath your means. Simple living is the first step to personal finance. Just have what you need and learn to want what you already have. If you adopt this mindset, you will discover that at the end of the month you will be able to set aside more money from your payroll for you to invest in a variety of ways.

Most people think that in order to get wealthy they need to keep saving and keep stashing their money in the bank account. While personal finance dictates that having a significant amount of money in the bank (for emergency purposes), the truth is that this really is not a good get-rich move. The reason for this is because banks only give a small percentage of interest per annum – so you are better off investing your money elsewhere!  Ideally, you should keep your money just a little below the maximum insurance the bank is guaranteeing each depositor, and no more than this should you put in one account.

With your extra fund, you can do a variety of things to get wealthy. Part of your personal finance portfolio is to put some of your money into mutual funds. If you want to get rich, mutual funds are a way to go. Diversify your personal finance portfolio by choosing two different kinds of funds – a low risk fund where you put a good sum if you are just a first timer and a medium risk fund if you have enough money to spare and would like a little bit more excitement in terms of highs and lows in gains. Having two different funds will mean you have the safety and excitement of investment working for you.

Another great method to get wealthy is to invest in real estate. Well recommended by real estate investors, this “get rich” strategy can’t fail especially at this moment in time. Investing in real estate today, when prices and interest rates are so low, will position you for great wealth not only through the rental income and future sale of the properties, but also from the many tax strategies available to investment property owners. Your personal finance situation will change considerably with such a smart move. Buying a property now when real estate prices are lower than usual due to economical factors, is a wise decision. As the owner of a real estate property you can rent it obtaining a constant income. When prices rise, you can sell the property making a profit and successfully completing a real estate investment to get wealthy.

Let us say that you really wanted to get rich and be in control of your personal finance, investing safely but want to up your efforts as well. What could probably work for you at this point is to put your money in stocks. Ideally, consulting with a financial planner is the best step to do before you embark on this particular journey of personal finance. A financial planner will be able to tell you which particular company you should try to put your stocks in and can save you a lot of funds if it is time to move out such funds and put them elsewhere.



Work From Home Jobs

Neha Gupta asked:


Cheap Personal Finance With Newly Equipped Benefits

From decade to decade, Visit Here http://gov-debt-grantbenefit.blogspot.com

cheap personal finance has been providing monetary support to every sort of people. It advances amount to fulfil every small or sizable personal demands to the applicants. Cheap personal finance allocate amount that borrowers are looking for, to materialize their wishes in a trouble free or easy way. Cheap personal finance is classified into secured and unsecured form. If applicants have property to place for the loan, secured cheap personal finance is offered. For people without property like tenants and non-homeowners, unsecured option is designed. The unsecured option can be obtained by persons who are unwilling to place collateral against the loan.

The amount that you can borrow in cheap personal finance starts from £ 5,000 to £75,000. The repayment period of cheap personal finance is from 5 to 25 years. Finance cheap personal scheme allow even the bad credit holders to obtain loan and execute their demand after proper documentation. So, bad creditors should furnish credit and personal details precisely.

Cheap personal finance has cut down its prior rate of interest and offer fresh rates which every person will find affordable. The interest rates vary from lender to lender in the competitive market. So, applicants can take the advantage of this competitive atmosphere and spot a marginal rate which suits his repayment ability.

The application procedure of cheap personal finance has gone through many phases and has become faster and easier than before, with the adoption of online device. Approving of cheap personal finance through online method will help to get loan in instant and also it is the most well-liked application process.

The borrowers can supervise various demands in a single amount with cheap personal finance. They can purchase cars, consolidate debts, go for holidays, renovate house, weddings and higher education are some preferred ends which can easily be fulfilled with cheap personal finance.Visit Here http://gov-debt-grantbenefit.blogspot.com



Get Out of Debt

LizaMathers asked:


If you want to achieve your financial goal, don’t fall for get-rich-quick scams. Instead look at the possibilities offered by sound financial planning that can help you achieve your goal. If you deem this tedious and hard to follow, this is understandable especially if you are not taking home a fat paycheck. As they say, quitters never win; in this game plan, all you need is a steeled resolve to stick to your plans to achieve your dream of financial security.

Have Goal Will Plan

Achieving your financial goals is best started with a financial plan. Your personal finance goals should be clearly spelled out. Devising a safety net for the unpredictable future, demands you lay down all your financial cards, in the hope that someday the plan will pay dividends when you most need it.

Ask yourself what you need to have a secure future and your questions will determine the way your goals will be achieved. Achieving your goals may seem highly improbable because you fail to see the numerous possibilities and options where to put your money.

Sound financial advice can bring you nearer to your aspirations. Depending on your purpose, your financial plan will be adjusted accordingly. Whether you are simply hoping to pay your insurance faithfully to the last dollar or to see your investments working, things will depend on your determine to succeed

Plan for Financial Stability

Once the plan is finalized, it is your turn to make it work. Stay focused on the plan. Financially successful people say it is a difficult task to adhere strictly to the plan but they plodded on looking forward and the financial gains waiting for them at the end.

To stay focused towards your dream of security and gains, ask yourself the following questions:

-What do you wish to achieve?

-How much money do you need to invest?

-How long will it take to realize your financial gains?

-Can you fit in the additional drain in your budget?

With a financial planner to monitor your accomplishments, you can always be on guard to do what you are supposed to do–follow the plan to the letter to achieve your financial security and eventually reap your financial gains.

With a financial planner to monitor your accomplishments, you can always be on guard to do what you are supposed to do–follow the plan to the letter to achieve your financial security and eventually reap your financial gains.

Stay Determined

Want to do the plan without an expert’s help? Take paper and pen and list your financial goals Separate your short-term goals from long-term goals. Estimate the cost for each goal and how long do you need to achieve it–6 months? A year?

Divide the cost of the amount in weeks and that’s how much you are going to put into it weekly. Once you’ve determined your target date, settle for it and start saving. Whatever you have outlined in your personal finance plan, follow it.



Make Six Figures Per Year

Neha Gupta asked:


Why You Should Ignore Personal Finance Articles

Take my advice, you should ignore personal finance articles from the various gurus Visit Here http://gov-debt-grantbenefit.blogspot.com

and experts online directing you how to best invest your money and plan your finances. Shocking statement, shouldn’t you trust the experts who spend all day researching the financial offers available when you spend your time focusing on your work? The truth is, most people are better off trusting their instincts and common sense when it comes to money management and should develop their own ability to manage their money.

The consumer scenario that is encountered is that when a money problem arises, perhaps investments are not providing the return rates they wish for or they are in need of a fast loan to cover an emergency, that begin to research personal finance articles and advice. We read personal finance articles by these gurus and we discover new ways to invest our money, rebuild our credit or acquire loans. There is nothing inherently wrong with this research, except there is a hidden trap to believing everything these personal finance articles describe.

The inherent trap in researching personal finance articles is that most consumers stop there. What I mean by this is, most consumers take the bad credit repair advice of a guru or an investment suggestion and believe it to be true at face value. In many cases the articles advice is accurate and your personal finances might benefit from the suggestions, but often these articles cover only the basics and you would be well served be aware that your unique situation often requires a unique approach.

So where does this leave us as a consumer in search of personal finance articles with good advice to improve our portfolio? I am simply suggesting that you read personal finance articles with a critical eye and be sure to perform your own due diligence of research on the techniques and investments that are proposed. You should test and measure results for any financial changes you make, in the end finance is a science in which you should expect measurable cash results for proper choices.

Use these personal finance articles for what they are intended for, to stimulate your own creativity, and to maybe help you discover money ideas that you had not already considered. Trust your common sense when it comes to money, no one knows your unique situation better than yourself. If you are rebuilding your credit, for example, most people know what it takes, sometimes all that is needed is a helping hand and a push in the right direction.Visit Here http://gov-debt-grantbenefit.blogspot.com



Is The Law of Attraction All Hype?

George Gilbert asked:


Are you familiar with the phrase “More Month Than Money?” It means running short of money either before the end of the month or before your next payday. It’s a condition with which most wage earners are familiar. It was my problem for many years.

I’ve been married to Lois Lane for more than forty years. We raised two daughters. I’ve had several “careers,” and, I’ve always had a decent income. What I didn’t always have was an effective way to manage my income. I’m not an accountant; just a breadwinner who, when I first got married, couldn’t make the ‘bread’ go far enough.

The Early Years

For about the first ten years of our marriage, I used trial and error money management. Even though I had a good job with a decent salary, I never seemed to consistently have enough money to both pay my bills and for day-to-day expenses. One payday we would have more than we needed; the next we would run out of money long before the next paycheck. It was a continual financial rollercoaster. Sound familiar?

Like most people, I had not received any kind of formal or informal training to prepare me for the awesome responsibility of managing my income to effectively support a growing family. I was on my own with no financial roadmap as I searched for any type of a money management method that would work for me. I was looking for a way to both pay my bills on time and to smooth out the amount of spending money available between paydays. I’m sure you can relate to my quest.

I tried budgets and found that keeping track of every penny spent was something I didn’t want to do. My budgets started off great, but they didn’t last long. I tried bill consolidation loans and, after doing several, realized that consolidation loans by themselves are not the answer. They served only to increase my debt instead of helping me to control my finances. Keep in mind that this was all happening over 30 years ago; well before the advent of personal computers. There were no software options for personal financial management. I was on my own.

My First “System”

Over the years I gradually, without any premeditated idea of what I was doing, developed a system for paying my bills which also evened out the highs and lows between paychecks. These were the two features of a money management system that I wanted. This “system” was nothing more that a consistent way of looking at my finances twice a month. I was doing this all on scratch paper with no formal structure.

It’s impossible for me to pinpoint when my very simple approach to cash flow management evolved into something I could use consistently. All I can say with certainty is that while I was paying bills one month it dawned on me that what I was doing on scratch paper could somehow be organized into formal records.

After experimenting with forms design over a couple of months, I managed to create a system of forms that replaced my scratch paper. (Remember, this was in the mid-1970’s; several years before the advent of the personal computer.) With my new forms in place, my informal system had matured to the point that I was able to pay my bills when due without financial strain, and I had a consistent cash flow for day-to-day expenses. I was quite pleased with how my own personal money management “system” had turned out. It was a process that I, nor anyone else to my knowledge, had ever seen or used.

A Friend Gave It A Try

A friend of mine at the time, Fred Thornton (not his real name), became interested in my little system of forms. I had been telling Fred how pleased I was with the effectiveness of the process. My friend was also searching for a better financial scheme. He had an excellent income, plus a generous monthly dividend from a trust fund that his grandparents had set up. Despite his above average income, Fred’s financial condition was characterized by “more month than money.” He had large credit card and charge account balances to which he forfeited substantial interest every month. In addition, Fred was constantly concerned about his ability to pay his bills. He was in the same boat I had been in. At his request, I agreed to create a set of my forms for Fred to try.

After I copied the forms and instructed Fred on the methodology of the system, Fred became very dubious that my set of forms would be any help at all. After he initialized his forms to reflect his financial situation, it was painfully clear that Fred’s finances were a disaster. According to the forms, Fred was in very bad financial straits; bad enough that he doubted his ability to ever get his finances under control. In addition to doubting the usefulness of my forms, both Fred and his wife were afraid that using the system would put unwanted restraints on their lifestyle the same way budgets tend to do.

The Turnaround Was Amazing

Despite their concerns, Fred and his wife decided to give my system of forms a try. They had nothing to lose. Their finances were in such bad shape that they doubted my system could make things worse. The results they achieved so quickly amazed all of us.

After using my system of forms for less than three months, Fred’s finances had stabilized. All of his credit card and charge account balances were under control to the extent that he no longer paid interest on any of his credit cards or charge accounts. Furthermore, Fred and his wife were very pleased that their concerns about having constraints on their lifestyle proved groundless. They were actually able to begin pursuing many interests which, prior to using my system of forms, had been too expensive. As Christmas approached that year, the Thorntons were able to do virtually all of their gift buying without incurring any debt. In the eleven years they had been married, that was the first Christmas that they got through with virtually no additional debt.

The amazing turnaround in Fred’s finances was nothing short of incredible. Because of the original set of forms I had provided to Fred, his finances quickly went from “more month than money” to “more money than month.” After using my “system” for a few short months, Fred found that he was consistently faced with the pleasant problem of having excess income every month. His income had not changed, only the way he managed it.

The Word Began To Spread

My and Fred’s success with the original set of forms was difficult to keep secret. It wasn’t long before I was receiving inquiries from both people I knew as well as strangers; some of whom were out of state. Since I couldn’t make copies of the forms and personally instruct everyone on how to use them, I decided to write a how-to book. The resulting three-ring binder, titled Payday Management System, was self-published in 1975.

Without exception, everyone who purchased a copy of that first book had the same success in gaining control of their finances that Fred had experienced. I began receiving letters from very pleased customers. Sales were slow since all advertising was strictly word of mouth. But, it appeared that, given enough time, sales of the Payday Management System could have taken off. So why haven’t you heard about that first book in the last thirty or so years?

At the time I was still very much involved in my military career and had no time to be a book publisher. Shortly after publishing the Payday Management System, I was transferred to my next tour at sea. Before heading for my ship I put the book aside. I went off to sea and forgot about it. I continued to use the money management techniques; I just didn’t have the time to share them with others.

Fast Forward To Today

It’s now more than thirty years since my personal money management system was formalized in a crude set of hand-drawn forms. Since then, the personal computer has become very much a part of a growing number of peoples’ lives. I decided a few years ago that it was time to update the original book and to convert the manual forms into a personal computer program so that I could again begin sharing this powerful money management process. I was now a software developer with much experience and figured I could easily convert the Payday Management System manual workbook to a Windows program. Boy, was I wrong.

After several years and more false starts, I completed the first version of my personal finance program in the fall of 2006. Expressing the simple techniques that comprised the original Payday Management System proved to be a far greater challenge than I first thought. Those techniques are powerful in their simplicity; and I soon discovered that preserving that simplicity in a technological venue was not easy. But, version 1.0 of the software is finally done. I’ve been using the program for several months. It makes managing our month-to-month finances very simple and easy.



Forex Candlesticks Made Easy