Your everyday money

Find your money zone

Use PerNetFlow to manage your current income and plan how will use your future income

When you're in the zone:

  • Money is a convenience, only
  • You have a clear picture of all your household finances in one place
  • You can see how you plan to use your money for the next twelve months
  • Paying bills on time is effortless
  • You balance your checking account statements and reconcile your credit card statements in minutes
  • You see the effect on your net cashflow of using your credit cards
  • Planning your short- and long-term financial goals is simple
  • Playing "What if?" for any change to your plan is easy
  • Everyone in the family can participate in planning their financial future
  • Living within your means is habit

Getting into the zone is free:

Step #1. Learn what you should have been taught in school about money

Read the free book that explains both your household finances and PerNetFlow. Click here to either read the book as a free flipbook or in a free PDF file, or order the book.

Reading the book before using PerNetFlow is essential to your success with using the software.

Your Everyday Money
PerNetFlow

Step #2. Download and install PerNetFlow

Your 60-day free trial starts the first time you run the program. It is to your advantage to delay installing PerNetFlow until after you have finished reading the book.

Build a complete picture of now

Step #3. Build a complete picture of your household finances as they are now

Build your cashflow spreadsheet by describing the when and how much for your income, spending, bills and credit cards. Start paying bills as scheduled by PerNetFlow.

Chapter 10: Getting Started In a Cashflow Space

Stabilize net cashflow

Step #4. Stabilize your net cashflow

If needed, make changes to your income and/or expenses so that your net cashflow is positive for the next twelve months

Chapter 11: Playing "What if?"

Pay off debt

Step #5. Create custom plans to pay off debt

The choices you have for planning your way out of debt with PerNetFlow include a consolidation loan and options for creating a custom pay-off plan for one debt, a snowball for multiple debts, or automatically amortizing the high balance on a credit card.

Chapter 12: Debt

Add short-term savings

Step #6. Add sinking funds and short-term savings

Use a short- or long-term sinking fund to set aside money for a future purchase. Create short-term savings for any immediate purpose such as an emergency fund, periodic savings for large, predictable expenses, and on-going savings to smooth out the impact on your net cashflow of known expenses that are unpredictable in both when they happen and how much they will cost.

Chapter 9: Using a Cashflow Spreadsheet

Add pseudo-bills

Step #7. Add pseudo-bills for long-term savings to achieve your financial goals

In PerNetFlow pseudo-bills look and act the same as bills. The difference is where the money goes. When you pay a bill the money goes to someone else. When you pay a pseudo-bill the money goes to you in a long-term savings or investment account.

Chapter 6: Household Finances

Update DTI and net worth

Step #8. Update your debt-to-income ratio and net worth

Update your debt-to-income ratio when asking to borrow as well as when playing "what if?" with a change to your cashflow that will affect your DTI ratio.

Keep you net worth current as a measure of how your finances are changing.

Chapter 13: Debt-to-income Ratio, Chapter 14: Net Worth

Who it's for

PerNetFlow provides a standard way to view and manage everyday money that is flexible to accommodate everyone’s money lifestyle. As such, both the book and software are appropriate for anyone who has or will have an income.

  • High school students learning about household finances and how to manage the income they will soon be earning
  • College students living on a limited income and/or the proceeds from a student loan
  • Anyone with an income looking to live their best life while preparing for retirement
  • Retirees maximizing their benefit from their retirement funds
  • Engaged couples planning their soon-to-be combined household finances with the Advance Plan feature
  • Entrepreneurs preparing a business plan for a new small business with the Advance Plan feature
  • Financial advisors and coaches helping their clients get control over their household finances
  • Financial planners helping clients plan their cash flow for the coming year
  • Banks and credit unions attracting and retaining customers with the Financial Fitness Mentor program for customers
  • Companies fostering financial wellness for employees with the Financial Fitness Mentor program for company employees

© Copyright 1976-2025 George B Gilbert. All Rights Reserved.
PerNetFlow is a product of 2 Good Software

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