We would like you to think of all "spending" as an "Investment".
Normally the word "spending" is associated with "expenses", however this implies that you don't have a choice. The word "investment" implies that you have CHOSEN where to put your money. Money earned is normally spent in some way (very few people would have money in cash just sitting in a safe). So by thinking of spending as investing, our answer is that 100% of the money that you earn is "invested" because with your current life-style choices you have unconsciously decided how to distribute your earnings.

Saving is the most traditional form of investment. However all Household Savings should be invested in the most profitable areas to secure the best return. Did you realise that an investment of only $1000 per year at an interest rate of 10% per year will grow to $1 million in 47 years. Compound Interest is incredibly powerful.
Take a look at our Life-Time Personal Investment Power to see for yourself.

Also the same logical thinking can be applied to our Business Investments. Did you realise that after 20 years, $50,000 invested each year in a business growing at 10% will turn into $3.1 million compared to only $1.7 million if the business grows at 3% !
Take a look at your Business Investment Power to see for yourself.

Your "investment decisions" therefore should form an integral part of both your Household Management and your Business Management. So you have now reached the stage where you are ready to implement our Household Management System or learn about our Business Management System.

HomeNet Members can also download and read our Household Management Book as this is both very practical and educational, and will give you some additional knowledge of management in the Home environments.