Financial Records That Limited Liability Companies Must Maintain in Florida

According to Florida statutes, a LLC is a kind of business entity which is carrying a character of both a corporation as well as of sole proprietorship. As per chapter 608 of Florida statutes, there are certain laws with respect to a Limited Liability Company that makes it mandatory for them to maintain certain financial records as follows.

Department Of State Filing: All Florida LLCs are required to maintain a copy of filings that they do with Florida Department of State. This may include articles of organization, certificates regarding conversions, power of attorney and all other documents that a LLC has filed with the Department Of State. The LLC should also maintain an annual report which is to be submitted yearly to the Department Of State. This annual report should contain the formal name and address of the LLC, date of formation, and date of getting business licence. Full address of registered business and name of registered agent must be mentioned in the annual report.

Financial Records: A LLC in Florida must maintain records related to their financial statements for last three years. Statements of financial records may include details of cash the LLC is having, total value of LLC’s total assets and properties, details of amount each member contribute to the LLC. Last but not the least is that a LLC must maintain a record of procedures by which the LLC would stop functioning. The LLC is also required to maintain an agreement letter for the condition when company is dissolved and there is a division of assets amongst members. They are obliged to keep a record of times and locations of all the meetings the LLC members conducted in the past one year.

Tax Records: According to rules laid by chapter 608 of Florida statutes, a Florida LLC is advised to keep all records pertaining to taxation of the last three years. These documents may include income tax statements of federal, state and local area taxes. This totally depends on the Board of Directors of the LLC to decide whether to get taxed as a corporation or as a sole proprietorship company. In any case, the LLC must keep all their tax related documents intact of the last three years.

Personal Information: A LLC in Florida is required to keep all the details of their personal information at their registered office. This personal information includes full names and addresses of the members, managers, the resident agents and all other important members holding important designations. Members of LLC are basically the owners or those shareholders who hold equal number of shares. Since a LLC is more like a hybrid business entity these shareholders can also manage the company.

It is Easy to Maintain Financial Records with Accounting Outsourcing

Money, indeed, makes the world go round and it holds true for a business enterprise too. Unless a business manages its funds in a proper and accurate manner, it will have no chance of earning a profit as the funds can be easily misplaced or misappropriated. Hence, every business ensures that there is a separate division that is exclusively devoted to maintaining the accounts of an organization on a day to day basis. However, this can be financially draining for the organization to hire professionals just to maintain the accounts of a business and the easier way out seems to be accounting outsourcing to a vendor in a country like China or India. As more and more corporate enterprises realize the multiple benefits of this decision, the process of outsourcing this kind of work is achieving ever increasing popularity.

Accounting outsourcing involves handing over the work of maintaining financial records and accounts of a company in a systematic manner on a day to day basis, by professionals outsourced by the company. The professionals are not only qualified to handle the accounts of your company in an accurate and systematic manner but they also would cost you a lot less. The reason for this financial difference is that labor is much cheaper in countries like India and China than in the western countries. Also, the accountants are comfortable in using any software that is available in the market, hence you as a client, could ask them to continue maintaining your accounts with a software that your company is already used to.

It helps to opt for accounting outsourcing because you have ready and instant access to accurately and chronologically maintained financial record of your business on a day to day basis. Whenever you require the records for your perusal, the vendor could have the necessary files send to you over the internet which makes it an instant transaction. Such instant availability of accurately maintained records comes in handy when a company auditor needs to review your financial records or you need to submit your taxes or even while filing returns. Also, having your financial records in place helps to give your company more accountability and credibility in the eyes of the investor, customer, lender, creditor, supplier and the general public.

In order to plan future growth path for your business, you need to know where you stand in the market. An accurate idea of this can be provided by your financial records. It therefore helps to go in for accounting outsourcing so that you have proper records of every day’s income and expenditure. Each transaction contributes to the creation of a journal entry, profit and loss sheet, balance sheet and other accounts of a company. When a competent and reliable third party is handling these issues for you, the company is bound to make progress and you can concentrate on other aspects of your business in a better frame of mind too, knowing that your finances are in good and dependable hands.

Outsourced Bookkeeping – Professional Management Of Your Financial Records

Maintaining all the financial records of your business takes plenty of time, not to mention, the effort as you have to keep up with the tax laws. Getting assistance from a professional bookkeeping service will get you not only precise records but also plenty of other benefits.

Whatever size your business is, small, medium or large, the most challenging and tiring task is maintaining the financial records. Bookkeeping is a lengthy process in which each and every financial detail including balance sheet info, income statements, payrolls, tax returns, cash flow analysis, etc., needs to be kept up-to-date. Many organizations have in-house bookkeepers to keep the records updated, whereas others take professional help in order to keep their records precise.

As opposed to having in-house bookkeepers, outsourcing is a better option any given day. The major reason is the reduced cost of establishing and managing an in-house department. Besides the fixed salary of the employee, other expenses such as cost of hiring and training, book transitioning, overhead, employee benefits, management costs, etc. add to the in-house bookkeeping.

Apart from the expenses, in-house bookkeeping always comes with the risk of missing out on a record which affect the business. Each and every financial detail of the organization is monitored to come up with an accurate ledger and your in-house accountant might leave room for an error which, down the line, will cost you money in forms of penalties on missed deadlines, fixing the errors and more. In the long run, this will make your company look bad and might eventually lose its credibility with the customers.

To escape the above mentioned situations, outsource bookkeeping to a professional CPA and bookkeeping service. Since all your business data is handled by the professionals, you can rest assured that your financial statements are precise, up-to-date and delivered on-time. Knowing their way around the financial ledgers, the professionals take care of billings, bank account reconciliations, payrolls, balance sheets, tax planning and projection, and cash flow analysis. Adding to that, some services also prepare all city and county/state sales tax returns along with providing your with monthly reviews and close-outs.

Along with keeping your books updated, the bookkeeping services offer web-based system to serve their clients across the globe. They store your records on a protected server in an encrypted form which can be accessed by no one other than you and your bookkeeper. With this system, you get a 24/7 access to your financial reports on the website of the service. You will be provided with a password to access your accounting records. Employ a service that provides automatic off-site backup of your data alongside a 24 hr helpline so that you can contact them any time of the day, in case you have a query.

To top that, several outsourcing services offer loads more than simple bookkeeping. They also prepare payrolls for you, write paychecks, file payroll tax returns, etc. Moreover, the professionals will have a good amount deducted on your taxes by the year end. So, you don’t only get to save time but money as well.

Whether large or small business bookkeeping service will take the load off your shoulders and get this time consuming job done in a timely manner. With the accurate results delivered by the service, you will be left with nothing but peace of mind at the end of the year.

Starting a Home Based Business and Maintaining Financial Records

If you are a home based business owner or thinking of becoming one, a major problem you will inevitably face is the plethora of financial receipts such as credit card slips, canceled checks, leases, business cards, and other pieces of financial records. If these receipts have inundated your home, you know its time to take some drastic measures!

Securing your Home Business Opportunities through Disciplined Record Keeping

It is mandatory under the law to maintain financial records of your business. These records have to be trustworthy and should portray a clear picture of your business. I believe that it is imperative for a small business owner to focus on one’s core competency in order to maximize productivity. That is why I recommend all you home business owners to employ experts to keep a track of all your financial records by digitizing them. Many online receipt organizers are making their mark in this arena.

A Brief Glimpse into the Process

Imagine your self frantically rummaging through the inbox for a receipt of a purchase you made 3 months ago for tax purposes. You will finally realize that you have probably deleted the email. Online receipt organizers offer you respite from constant worrying over your online purchase receipts. There are, of course, slight differences in the manner in which these receipt storage and organizing services work. Once you sign up with your ideal service, you can use an email or user name that they will provide you. Now, while shopping online, you need only need to give your new e-mail address to online vendors, and the electronically generated receipts will be safely stored on your new account.

Another amazing advantage of these receipt organizing companies is that some of them are ready to scan your paper receipts, give them a safe storage space on your account, and mail the receipts back to you. Your financial information can now be easily accessed for taxes, reimbursements, donations, insurance claims, budgeting, etc.

The information gleaned from your receipts is stored safely using encryption methods like 256-bit secure socket layer encryption that is also used by major financial institutions. Mo one can extract your personal information from your account since you are the only one with the password.

Important Documents that Need to be Archived

Documents stored electronically are easy to go through, and take up practically no physical space. After awhile, you might prefer to shift your important papers to a good storage place and keep the electronic version with you. This is where the online receipt organizing companies come in. You can simply maintain copies of your data on your account so that your computer is not bogged down with too many files.

Here is a tentative list of documents that you as a small business owner should have as an electronic copy.

1. Expenses that are even partially related to your home business. A good example is your telephone bill that should be scanned.
2. All the receipts that concern your business. In spite of saving the monthly credit card statements, the underlying credit card slips need to be saved and converted into an electronic copy.
3. Copies of your tax returns, especially from the year you started your home based business.
Starting a Home Based Business the Right Way

Under the Internal Revenue Code Section 6001, you have to maintain records relevant to your business. Besides, these receipts can be demanded by IRS should they want to audit your personal tax returns, or your business. In case of any inconsistencies or inaccuracies in your records, the penalties charged will be detrimental to your personal financial health as well as your business. Moreover, some states may have laws that necessitate the maintenance of your financial information. The state auditors can land up on your door step demanding to see your records.

Highly Affordable Service for Home Businesses

Once you have mapped out a secure and reliable way of keeping track of your records, you are free to concentrate fully on your home business. If you are tired of spending too much time on managing seemingly endless piles of receipts, you can write to me through the comment section on my website for small businesses listed below and I will put you in touch with these companies. They will take all your receipts and digitize them in an Excel sheet or a database for less than $10 a month!

Stuart Rubenstein is the CEO of You Taking Action, a Canadian personal wellness and personal development company which shows you how to start your own home business with little or no investment. Visit him at [http://youtakingaction.com]

Outsourced Bookkeeping – Convenient Way To Maintain Your Financial Records

Bookkeeping is integral to any business and if you have been facing troubles keeping your books updated, you should consider outsourced bookkeeping. Better than having an in-house department for bookkeeping, outsourcing the services will keep your books precise and up-to-date.

For any business, small, medium or large scale, major headache is maintaining the financial ledger of the company. Keeping track of all the financial details, from income statements and balance sheet info to payrolls and cash flow analysis, everything is needed to be kept up-to-date. Most companies have in-house accounting department for all this work whereas others like to outsource their bookkeeping. A good bookkeeping service prepares your financial statements with precision in timely manner and maintains them as well.

Outsourcing your bookkeeping is a far better option than having an in-house bookkeeper. Main reason is the cost of running and managing an accounts department. What most businesses don’t realize is that it costs a lot more than just the fixed salary of the accountant. Starting from hiring and training to the transitioning of the books, in-house bookkeeping is an expensive affair. It requires office space, equipment and software along with other expenses such as overhead, management costs, benefits for the employee and more.

With in-house bookkeeping, there’s always the risk of missing out a record. Monitoring each and every financial detail is a hard and tiring job which makes errors slip past conveniently. Such mistakes can cost your company money along with time to fix the problems like penalties and late fines following the missed deadlines, lost records and more. No company would want to lose its credibility with lenders. Any such situation can be avoided just by outsourcing your bookkeeping

You should take the load off your shoulders by hiring a professional to handle all your business details and manage the paper work. The financial records of your business prepared by the professionals are up to date and accurate. You can access your records from the website of these services anytime you like. Professional know their way around the paper work including billings, tax planning and projection, bank account reconciliations, payrolls. Not only they prepare the bank account reconciliations for your businesses but also give you monthly reviews and close-outs. The basic services provided by an outsourcing company are:

Financial Reports

* Create a balance sheet
* Generate an income statement
* Reconcile your general ledger

Management Reports

* Accounts receivable and accounts payable
* Check register
* Cash receipts journal
* Cash flow reports

Besides bookkeeping, the foundation of your company’s financial records, general ledger is also maintained by an outsourcing company. Each transaction of the company goes through the general ledger. Thereby, enables the outsourcing company to review your financial records and fix the discrepancies, if found any. Additionally, you will be surprised how professionals from outsourcing company can get your income tax deducted. You don’t just get your financial records straightened out but save money as well.

These companies don’t even charge you an astronomic amount for managing all your paperwork. Several companies even have a fixed monthly fee which is beneficial as at the end of the day you don’t get any surprise bills. With their services offered at nominal prices, outsourced accounting saves you time, money and keeps the headache of running an accounts department at bay.

Bookkeeping Outsourcing – Keeps An Error Free And Hassle Free Financial Record

The concept of bookkeeping outsourcing is gaining much momentum now-a-days. Through offshore bookkeeping job can be done in a cheaper rate and in lesser time. As maintaining financial records from outside is error free and hassle free, business owners are finding it the best way to maintain all the financial records of his or her organization. This service excels in maintaining all issues related to money. Big or small, all sizes of business organization are finding it very useful and profitable. By outsourcing bookkeeping, owners get the scope to expand their business as they get the detailed information regarding the income and expenditure of his company. Bookkeeping from outside not only keep track of the financial records but the expert also let the owner know where his or her company stands in this competitive market. During the crisis period, they give suggestive measure.

Mostly small organization is finding this very beneficial. It cut their expenses to one third and helps them to get quality work. Through outsourcing bookkeeping, one can reduce the overload of work and also cut expenses. For any big or small company, bookkeeping from outside is very much profitable. They need not have to pay to their in-house staff and their job gets done at a cheaper price. Bookkeeping involves handling of the financial records, business revenue, profits and losses incurred by the company and various other expenses. Bookkeeping outsourcing is flourishing day by day and today business owners had almost stopped to recruit staff for maintaining all the financial records of his company. They rely a lot on the offshore bookkeeping. They very much like the concept of bookkeeping from offshore.

Tax return period is very hectic. Individuals had to work very hard. Companies had to work day and night at the time of tax session. A minute mistake in tally may prove blunder. So, one requires to work with full dedication. In this case, mostly, business owners rely upon the bookkeeping outsourcing professional rather than their own in-house staff. Outsourcing bookkeeping saves money and time. Work is done with full perfection. Moreover, accuracy is the perfect word to describe outsourcing bookkeeping. By hiring a right individual from a private firm to keep all the financial record correctly removes all the tension of the owner. An error free financial data will lift up the prestige and pride of any organization.

There are many firms that provide bookkeeping outsourcing. It is more prominent than the in-house staff. The expenses of in-house staff are much higher in comparison to the offshore bookkeeping. Bookkeeping involves keeping record of the profit and loss of the company, bonus, gratitude, house allowance, conveyance changes, funds and various other things. Bookkeeping is a very tedious job and requires lot of concentration. It is a very important section of any organization. Any company will prosper only when there is someone who keeps track of all its financial records and offers suggestion. And in this case, this is the right option for all who desires to have an error free financial record.

Financial Records – Be Careful Where You Toss Them!

As we are rounding the corner of the first decade in the 21st century, the term Identity Theft has unfortunately, become a household name. Thieves are finding new ways to use and abuse stolen financial data, often creating nightmares for their victims, who must spend countless hours repairing the damage.

While identity thieves have expanded their repertoire to include medical records, pay stubs, and even school records, financial data is still the most coveted and sought out data by identity thieves. Financial data includes your credit card receipts or statements, bank statements, tax related documents, as well as retirement/IRA and brokerage records and house records (such as mortgage and property tax statements). Even in this technological age, it seems we are still swimming in paperwork, and eventually it must be tossed. Knowing what to toss and when can be tricky for most consumers.

Generally, financial experts advise to keep credit utility and other household bills only until you receive the cancelled check. Credit card statements should be kept longer – about seven years (though receipts only need to be kept until your monthly statement comes and is reconciled). It is advised to keep paycheck stubs only until your end of year tax statements come, and bank records can also be tossed after one year. Other financial paperwork, such as IRA, retirement statements, and house records (deeds, titles, etc) should be kept permanently.

So what is a conscientious consumer to do with all of those old financial statements containing such dangerously identifying data?

Shredding your old financial records is an excellent way to protect yourself from identity theft. One of the most popular ways for identity thieves to get your personal information is through “Dumpster Diving”, in which crooks rummage through trash bins looking for papers with personal information on it. By shredding your old financial records with a good quality shredder, you are completely eliminating the threat of dumpster divers.

Small businesses and corporations typically produce a large volume of paperwork with sensitive data, and professional shredding companies are becoming more and more popular. A professional shredding service allows the business owner to easily and safely get rid of their unneeded financial paperwork, and the service is usually very cost efficient.

There is no doubt that identity thieves are here to stay. The good news is you do have ways to protect yourself. Being diligent with where and how you get rid of your financial records is one excellent way to keep your identity safe.

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Maintain Financial Records

Keeping Financial Logs is Always Good Tax Advice

If you want good tax advice, this is something you shouldn’t ignore. It pays to always keep records of your tax returns, tax credits and claim benefits.

If you don’t know how to go about recording your tax histories and other financial activities, HM Revenue & Customs (HMRC) offer these tips.

Tax Advice: Why Financial Records are Important

When you have an effective system for logging your financial activities, you can monitor your expenses better. No longer will you have to wonder where your money went. Here are other advantages of keeping records.

1. Quickly see if anyone owes you money or if you owe anyone
2. Cut down on accountancy expenses
3. Save time counting your finances
4. You can make sure you receive the right amount of credits and benefits
5. Pay the right tax amount
6. Avoid penalties and you don’t have to pay extra tax

Another thing, when you give HMRC a tax return, you may be asked to present your records to see what your used to complete your data. It’s imperative that you enter the right figures in your tax returns.

Are There Penalties?

You may face penalties of your records aren’t adequate or if you don’t keep records at all.

More importantly, what’s the point of keeping records if your tax return you send is inaccurate? You can still face a penalty if your returns aren’t correct. With reliable records at hand, you can avoid this penalty.

On the other hand, it’s natural to make mistakes. Even HMRC isn’t safe from human error. If you made an error, but can prove to HMRC that you’ve been responsible about making sure the return turns out right, you won’t pay any penalty.

Here are areas you should not neglect to take care of:

• Keeping complete records and make sure they’re updated. Save them securely.
• If you meet a bump in the road or find something you can’t understand, contact a tax advice expert, accountant or HMRC.

What Information and Records to Keep

There are all sorts of records that need to be kept, but the type of information you want to keep should suit the kind of tax you pay. Some of the most common financial logs to keep are:

• Benefits and expenses
• Capital Gains Tax
• Construction Industry Scheme
• Trustees
• PAYE
• Corporation Tax
• VAT
• Self assessment – directors and individuals
• Partnerships
• Self-employed

How do You Keep Financial Logs

HMRC hasn’t stated exactly how to keep records. To make sure you get everything right, make sure not to lose original paper documents, especially those that say tax has been deducted. Other documents can be stored electronically, like using a memory stick, CD, or a computer.

It’s generally accepted that these records should be kept at least six years, except if you’re an employer or contractor because they have to store records for three years at least.

The last tax advice would be to make sure not to destroy important documents and records of any sort.

How to Organize Your Financial Records

Managing your finances can be stressful enough — there’s no need to make it harder by struggling with a mess of papers. Here’s how to use a simple, two-rule system to organize all your financial records, and how to keep them organized going forward.

1) Break everything down into three categories: taxes, debts and assets.

If that’s not specific enough for you, you can create five categories: taxes, debts, assets, bank statements and utilities. If five categories seems stressful right now, just stick to three.

If you are dealing with just a totally unorganized pile, this is a good way to start. I give taxes their own category because they are usually why people have to get everything organized anyway. Things that go in the tax “pile” or bucket include tax returns from past years, any tax-related forms or statements for taxes (like your annual mortgage interest deduction statement).

You should be able to do your taxes with just what’s in the tax pile. If you itemize deductions, you will need those bank statements, but I find it best to create a comprehensive list of all my tax deductions (with date, account paid from, what I paid for, who I paid it to, a category and a column for notes) and then put that in my tax folder, and then keep the bank statements in the assets pile going forward.

The debt pile includes documentation about any money you owe. Your mortgage and student loan paperwork goes here, but so do your credit cards and your phone and your cable bills. The phone and the cable bills are a little fuzzy (if you want more than three primary categories you can add a whole category just for “utilities”), but as they are things you make regular payments on, and thus have to manage due dates and payments for, I tend to lump them in with debts.

2) Organize all your categories (or piles, if that’s more accurate) into past, present and future.

Get yourself some file folders now, a good label maker, and a box or a file cabinet to hold the folders. I like to get colored folders, and then organize my five categories according to the five colors of file folders. That way I can tell what a folder is for from across the room. This makes picking up my office go faster.

If something is more than a week old, or has already been paid, its past. I keep an annual folder for everything, so there’s a 2010 phone bills folder, and a 2009 phone bills folder. Anything more than a year old goes into a plastic file folder label with the year, so everything related to 2009 can be stacked in storage. For past tax returns, though, I keep all my past tax returns in a fire-resistant metal box. You can throw out tax returns older than seven years, but I don’t.

“Present” files include bills you need to pay (these get their own folder) and paperwork associated with things you need to do (these also get their own folder). I put these two folders in a very prominent place, in a wall-mounted plastic file-folder wall organizer.

The “future” files include paperwork for projects I want to do (like a trip to Greece). This is a small category, but it can be helpful to have. Some people make a “tickler” file, not necessarily for financial documents, that has a folder for every week of the year. Then they can tuck papers that they want to be reminded of in that week. Tickler files are great for season tickets, and for planning weekend trips and seasonal projects.

Financial Record Keeping – Why It Is Crucial to Build Wealth

The rich know a simple secret to building and managing wealth. They pay attention to it every day. This is a process common to every person who has successfully built a fortune.

If you do not pay any attention to how you spend your money or where it comes from you are not likely to build wealth. People who are successful at building wealth keep careful track of how they build that wealth.

Most people make a haphazard effort at tracking their finances. They are unable to tell you where their money goes on a daily, monthly or annual basis. There is no plan or budget. Most people spend money “as the need arises” with no thought as to how it all fits together. Consequently they have no control over how they spend their money because they do not know how they spend their money.

The First Law of Wealth Management

The first steps toward building wealth are managing it. To manage wealth you make sure that you always spend less than you earn. This is the first law of wealth management and it is essential to building wealth. As long as you spend what you earn, or more, you remain in debt and you build no wealth. It really is that simple.

You have heard it before – pay yourself first. You must save some portion of what you earn if you ever hope to build wealth. You must systemize this process so that it happens every month, year in and year out. The power of this method is tremendous.

Keeping Track

The only way you can really get control of what you spend so that you can enforce your commitment to save a portion of all you earn is to keep track of what you earn and what you spend. This is the first and most fundamental step. It must become an ingrained habit.

People who build and wisely manage wealth know where it comes from and where it is going and they know this through constant record keeping and review.

You can start simply by setting up a simple budget of what you spend every month on fixed and variable expenditures. Mortgage payments, auto loan payments, and your monthly contribution to savings are examples of fixed expenditures. How much you spend on food, gasoline, auto repairs, and electricity are variable. There is always a greater degree of discretion with variable expenditures.

You can shop for cheaper rent or mortgage payments, or cheaper auto insurance, but for the most part you will be most effective at controlling expenses by watching variable, or so called discretionary spending. You can only watch it and control it if you keep records on it.

Use the method that works best for you

Different people prefer different systems. Some like to use old fashioned paper systems like ledger books. For many today though computer programs like Quicken or Money make record keeping easier and more accurate. Whichever system you choose your commitment to using it every day and every month is essential to effectively managing expenditures and investments.

Tracking Income

Over time you should have income from various sources. In addition to income from a job or business you will have passive income from investments. Different sources of income will perform at different rates. You must track how your investments perform, how our business performs and how these performance rates change over time to get an accurate picture of what is working best.

The success expert Brian Tracy teaches that people who pay attention to their money attract more of it. There is great truth in this. If you are careless with you money or pay little attention to where it comes from or where it goes it will slip through your fingers.

How to Create the Financial Record Discipline

Keeping good financial records is essential to managing your wealth. To develop this discipline resolve to maintain accurate and complete financial records for one week. Track all of your income and expenses for one week. You will be surprised especially on where it all goes. You will learn a great deal about your own attitude toward money.

Once your first week if over resist the temptation to drop this practice. Continue to track your expenses and income for a month. Analyze what you have tracked. Learn from it. Study how you can save more, spend more wisely and even improve income.

Now resolve to continue this discipline for six months. As each month passes you will gain more insight into how you spend and you will gain more control over your money. The more control you gain the greater your ability to build wealth.

After six months of faithfully tracking your finances you will have developed a wonderful habit. You will no longer feel comfortable ignoring how you use money. You will build confidence in your ability to control your wealth and build it. As your confidence and sense of control increases your ability to build wealth will increase.

This process costs you very little but some time and effort. It will pay you back beyond your expectations. Continue this practice and you will be on your way to financial independence.

Daniel R. Murphy writes on personal development, leadership skills, time management and how you can build wealth and financial independence.

Would you like to learn how others have excelled in business and in life? For a free success ebook, free newsletter, and much information which can help make you successful and financially independent visit http://www.bookstowealth.com.

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