Can you even imagine, for the first time in your life, not having to manage your finanicial life around everyone elses timetable?

I think most of you reading this have had the positive experience of consolidating two or three monthly bills into one monthly bill - and would agree with me that it noticably eases your money management efforts. Well, have you ever considered that you have the power to do this yourself - and you can do it with ALL the money moving in and out of your life?

The B Word™ "consolidates" and reduces all the money moving through your life down into three primary categories and a simple, three part payment system which you only tend to two times per month. Moreover, these are predetermined, routine and nearly decisionless activities - AND - they completely eliminate all the chaos you struggle with mentioned on the right side of this page.

Did I mention your income schedule is also reorganized and consolidated into the same timetable? Now you're the one in total control of when money moves in and out of your life. Yes, it can be done-and it changes everything!

If you’ve ever tried to simply walk, while making sure that each step you took was not the same distance as the step before, I think you can realize just how much wasted mental energy can be consumed in such a simple activity. This is an excerpt from the book:

If you've never thought of it before you will soon realize that expenses (bills) are usually due on a monthly schedule and income (paychecks) usually arrive on a one or two week schedule (Note: if you're paid twice a month you're still only half way there). If you plot all your expenses and income dates on a calendar for a year, you will see that these two schedules are never in harmony. Every week contains a different combination of variables (timeframes, financial calculations, decisions and tasks) throughout the entire year. Every week! Throw in variable income amounts and/or multiple incomes and you've added to the chaos. From my experience, this "money in" and "money out" mishmash is the root cause of failed money handling efforts. Other methods, regardless of technology, develop processes incorporating this mishmash. This is the reason these solutions are so time consuming and complex; they're elaborate recording and accounting methods and they do a great job of just that.

If you don't eliminate the disharmony, you still face complex recording and tracking activities and you still face unique, decision-making riddles most days each week: Determining how much to deposit; determining what bills are due and when they are due; then determining what bills to pay; what bills NOT to pay; determine available cash for the week; determine if you can pay down the credit cards; determine any savings for vacation, emergencies, kids (good luck keeping that organized)... not to mention the small but many: "Can we afford this or can we afford that" decisions you make and on and on - AND - you do it all over again DIFFERENTLY - with a new set of variables the following week (take a breath). And now (let's get real), on top of all this vacillating chaos, your going to try to manage it by continually tracking it all - so you can continually decifer what it all means so you can continually adjust your decision making.

"Continually trying" to stay in control is not control, and your efforts here will consume a tremendous amount of recognized and unrecognized time and mental energy. Why? Because it lacks rhythm. It's like having to get out of bed every morning at a different time and having to get off work every evening at a different time. It takes 10 times the energy to do the same thing you did before on a steady schedule - and it effects every other part of your life. I've lived without this problem for over 15 years.

The B Word™ succeeds because it gets you out and above disorder. It puts you into a controlled, rhythmic pattern. It takes all your money in and money out tasks; all your repetitive, sporadic, mundane but important financial responsibilities; all your personal savings commitments - and consolidates them. Then chops them up into neat, consistent, nearly decisionless twice-per-month activities I call "Action Steps". What a relief it is.

In order to do this here are The Things You'll Need