Some people are gung ho about top stub checks whereas others prefer side tear checks. You may find yourself shopping for cheap checks, whether cheap personal checks or business checks. Still others need something to match software programs and produce large quantities of checks that tie into their financials. That's where Deluxe™ checks and other specialized checks come in handy.

Specialized Check Writing

If you own your own business you probably need checks that are compatible with your software programs. Among more common in this category include:

• Deluxe™ Checks
• Quickbooks™ Checks
• Quicken™ Checks

Deluxe™ checks is actually name of a company that prints checks. These checks are popular all over globe. They provide added security features such as micro printing a security screen to prevent copying and even chemically sensitive paper. This paper appears altered if someone tries to alter original check.

Quickbooks™ checks and Quicken™ checks are equally useful for business owners looking for checks that streamline with their accounting software. These specialized checks make processing payroll a cinch. Most come in top stub styles compatible with most computer programs though you can also buy side tear versions to keep with you while on go.

Of two, Quickbooks™ checks are most popular, providing personalization choices and matching check envelopes and stationery. However, Quicken™ checks are just as useful for individuals owning this software program.

No matter what your personality, business or personal pleasure, fortunately you have a wealth of choices when it comes to check writing. Be sure you explore all your choices, before buying. Even better, try out a few different styles to see which match your personal preferences. We've come a long way from ancient Rome, where merchants and customers probably longed for personalized check conveniences available today.

Budget for it: You can scrimp, brown bag it, clip coupons, track every penny you spend, never have fun, and put off living for thirty years in hopeful expectation that someday you'll be able to retire and start enjoying your life. Yuck. That sounds terrible. No wonder this rarely works.

This leaves us with one proven, easy way to get rich. And that is...

PAY YOURSELF FIRST

Pay Yourself First means just what it says. When you earn a dollar, first person you pay is you. Most people don't do this. When most people earn a dollar, first person they pay is government. They earn a dollar and, before it even makes it onto their paycheque, Canadians pay government something like 30 cents and Americans pay somewhere around 18 cents in federal income taxes (often more). On top of that, for Canadians there's Canada Pension Plan, provincial health insurance and employment insurance. In end, they wind up paying government first as much as 35 or 40 cents of their hard-earned dollar. Seems like everyone is getting paid but person who earned paycheque.

The Secret is Way Your Money Flows

You have a right to legally avoid federal and provincial taxes on money you earn. The key word is "legally." You can legally Pay Yourself First, instead of government, simply by using what is called a registered retirement savings plan (RRSP) for Canadians or a 401(k) plan for Americans. You can hold a large number of investments in an RRSP or 401(k).

Who You Work for is Waiting for You at Home

As much as our employers would like us to believe otherwise, reason most of us go to work each morning isn't company mission statement or even serving customer. It's ultimately about us. When it comes down to it, reason most of us go to work is for sake of ourselves and our families. We go to work to protect those we love. Everything else is secondary. We are our first priority.

Or are we? The truth is that we are not raised to put ourselves first. We are raised to be nice. We are raised to share. We are raised to help others.

These are wonderful values, and I believe in them. But there's something else I also believe: old saying that Lord helps those who help themselves. I think there is timeless truth in this. So before you start laying out a financial plan, really focus on these questions: Are we helping ourselves? Are you helping yourself? Are you REALLY working for yourself? I'm not asking if you're self-employed. I'm asking whether you're really working for your own benefit and that of your family when you go to your job each morning.