My interest in personal finance is rooted in my experience with trying to manage my income to support a growing family. In 1975 I had an epiphany that what I was doing on scratch paper twice a month could be formalized to organize and simplify how I handled our finances. Over the 50 or so years since that original "ah-ha" moment, I have experimented with and expanded upon the original manual process I began using. In 2000 I started work on a software application which has now become PerNetFlow. Users of this new approach to managing everyday money with their personal net cashflow have been amazed at their change for the better in how they view and manage their income.

The approach to managing everyday money that is built into PerNetFlow is very different from any other method (such as budgeting, tracking expenses, or using a spreadsheet). A person starting to use the program without first learning this new approach would probably find PerNetFlow confusing at best. That is why I wrote "A Better Way to Manage Your Everyday Money." Reading the book before using PerNetFlow is essential to success with the program.