Find your money zone
Use PerNetFlow to manage your current income and plan how will use your future income
Use PerNetFlow to manage your current income and plan how will use your future income
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 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 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
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?"
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
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
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 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
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.