Have you ever heard about journals? Oops… What a foolish question I am asking. Ok ok my mistake. So tell me do you read journals? Where do you read journals and what type of journals you read? Here “where” means from where you read journals. Online! By searching journal on internet or offline, by purchasing or from library?

Today only a few peoples want to go library or purchasing journals as going to library or somewhere else takes a lot of time and purchasing so many journals is not easier to every one. So why don’t you try to read journals online. Yes most of the sites provide journals online means you don’t need to go any where just logon to their websites and read what you want.

Now I am going to make your work easier by telling you that there are also some sites which provide all type of journals. You can read any of one as per your requirement just browsing only one site. We do you say to these web sites? I will call them “Directory of Journals” as the name suggest.

You can read any type of journals online or offline by visiting such type of sites. These sites provides directory of journals that contains more then 3000 journals you can read any of your favorite here. All these sites require is signing up here and search as per your requirement and read. Not the end you can also purchase one if you would like to purchase.

I think it is more beneficial for any one to read online after just signing up as we do in email. Yes most of the sites don’t change even a single rupee for signing up. This directory of journals provides a good facility to user to read one or any online as well as offline.

According to me, content writers can take a good advantage of this type of directory as they loves to read a new thing every time. Here I am not sure, that they read but it seems. So why go here and there. Just find such type of site or we can say directory of journals and take benefit of these sites.

These sites are more popular in India so we can also call “directory of journals from india”. What do you think about this name? Will it suite to these sites of not?

I think we all truly want our children and special loved ones to know about us, and almost get to look through our eyes and see how we lived and enjoyed our lives. Most people do not truly give themselves or their children the opportunity to do this. Special occasion journaling doesn’t have to be done daily – you can just create journal posts for your special occasions; for holidays or family reunions, weekends away or anniversaries. Special occasion journaling doesn’t have to become a chore or something that you do everyday. Instead, if you trap important details and memories in these journal entries they become a rich tapestry of your life’s memories.

Traditional journaling vs. digital journaling programs.

In traditional journaling, you took a hard copy book and wrote things in it. A digital journaling program today has morphed into something that you can now collate and relate with your digital memories on your computer. A digital journaling program becomes a tool for directing people through all of the amazing details that can be missed in your photos, videos and other digital memories.

Save your memories and digital journal entries into a single system.

Preferably use a digital journaling program that is contained in the same program that stores your memories. This will make it easy for you and your future generations to find your journal posts and also be able to reference your other memories with your digital journal posts. You should have a system that allows you to save all your memories and your journals into one program helping to powerfully correspond all your digital memories.

Make your digital journal special.

When you’re doing a digital journal post, make it special and personal. Too often, people are just recording occurrences, merely documenting things that happened throughout the day. With a digital journaling program, you have a wonderful opportunity to not only document what you did but also who you did it with and how you did it, how it made you feel and how it changed you and your life. It doesn’t even have to be positive all the time – your digital journal entries can be negative. Give people an opportunity to share in your humanity. Incorporating emotions or feelings is truly an amazing gift for yourself and your future generations.

Protect your digital journal.

You need to protect your digital memories for now and for your future generations. Otherwise, your precious memories could be gone. Implement a three-tiered backup system. With a three-tiered system, your memories are backed up away from your house, backed up at your house and backed up with an automatic backup system offsite. Some great websites offer these services now.

If you implement these strategies, you’ll discover how clearly you get to relive your life. Also, your children and your future generations will really get a chance to relive your life through your eyes. That, in its own right, is an amazing gift, so make sure you make it “true to life” and put in everything that really made it interesting, unique, fun or sad – whatever it may be. These are the keys to creating a rich tapestry of your life’s memories.

Starting a small business out of your home, offering products or services like business consulting, photography, selling on the web or a MLM? You are now faced with tracking all your expenses and revenues for your business and you certainly don’t have the money yet to engage a bookkeeper or accountant. If your business is a sole proprietorship, whether it be a Canadian Proprietorship or a US-based Proprietorship, you do not require an accountant to submit your company financials (books) to the IRS (USA) or Revenue Canada). Your business revenue and losses are reported as part of your annual personal income tax. For this small business start-up, you won’t need to buy fancy accounting software, like Quick Books or AccPac to track your business.

Only as part of incorporating Bizfare Enterprise Inc in 2005 was it a requirement to engage an accountant. My accountant did insist on using Quick Books software for my business accounting. Up until then using a simple spreadsheet template served my business accounting needs for over ten years. This simple spreadsheet accounting stood the test of multiple audits by Revenue Canada (CRA and Revenue Canada Goods and Services Tax. Both the hardcopy columnar pad and an electronic spreadsheet version of my financial books were accepted by Revenue Canada. (BTW the audits disclosed more ways for me to claim back additional taxes for the previous three years! Now that’s my type of audit!)

In your new start-up business venture, you likely will generate somewhere between 10 to 30 accounting transactions per month. These transactions would be items like Expense, Revenue (sales), Liability (Loan) type transactions and Sales Tax (Federal + State/Provincial) Collection/Deductions. These transactions are further broken down into various Business Accounts. All the Accounts you set up for your business is called a Chart of Accounts. Recording your business financial transactions (Journal Entries) can be executed with pen and ink on an accounting columnar pad or electronically with your computer using a spreadsheet program (MS Excel, Open Office, Star Office).

Whether you employ electronic or hardcopy media, you need to develop a simple Journal template to create your Business Synoptic Journal. This Synoptic Journal format has the advantage of allowing you a complete view of all your individual journal entry transactions against all your various Business Accounts. Creating this Synoptic Journal is easier to do than you think and requires no prior accounting or bookkeeping knowledge.

TIP #1: You could further reduce the accounting line items (Journal Entries) by consolidating like items such as ‘all the Sales for the month’ and ‘all parking receipts for the month’ into one totaled line item for the month.

Where do you start to identify the various Business Accounts required for your Synoptic Journal?

If you currently work for a company or government, secure of one of their employee expense forms. Look at each of the areas identified as expenses – meals, mileage, hotel accommodations, taxi, car rental, telephone & cell phone, air fare, office supplies, etc. This is an excellent place to identify the various Business Expense Accounts you need to set up for your business accounting books. To complete your business Chart of Accounts, include a Business Bank Account, Sales, COGS (Cost of Goods Sold), Sales Tax Collection, Marketing Expense and others as required. Each of these Accounts will be a listed as a title across the top of each column of your Synoptic Journal. Each row (line item) will be the individual journal transactions entered by you. The journal transactions are grouped and summarized for each business month; usually, January through December.

So your Synoptic Journal would look something like this Sample Synoptic Journal at http://picasaweb.google.com/carl.chesal/BookkeepingTemplate.

The column headings might be in this order (from left to right):

DATE | DESCRIPTION | BANK DEPOSITS | BANK WITHDRAWALS | SALES REVENUE | COGS | SALES TAX COLLECTED & REMITTED | OFFICE SUPPLIES EXPENSE | EXPENSE #2 | EXPENSE #3 | ETC

TIP #2: Unless your business is Incorporated or an LLC, you don’t need to go through the expense of opening a business account with your bank. Usually Business accounts charge a higher monthly fee, charge for printing checks (cheques) and don’t offer any interest on your monthly account balance. Instead, open a separate personal bank account (maybe savings). This will show the ‘taxman’ that you are keeping the business separate from your personal banking. Remember you are a sole proprietor and all your business income (and losses) are to be applied directly to your personal income tax submission ( a s per IRS and CRA).

To save you time and make is very simple, I have already created a simple spreadsheet Synoptic Journal template that performs all the calculations for each month and rolls up the 12 business months so it can easily be included in your annual personal income tax preparation. This Synoptic Journal template has Debit/Credit checks and balances, tracks sales taxes, mileage and totals each account for your entire fiscal year. If you want this FREE Bookkeeping template, you can get it at Communicate Innovate. With a few key strokes, which will help identify yourself, I will gladly send you this FREE Synoptic Journal Template and also any future Small Business Tips.

TIP #3: One Rule of Accounting is that every time you record a journal entry (line item which applies the transaction against the appropriate business accounts) the Debits and Credits MUST REMAIN EQUAL at ALL Times. This Debit Equals Credit calculator is built into this FREE Bookkeeping Template. When you have completed entering a line item (journal transaction), check to ensure that the amount the the Debit cell equals the amount in the Credit cell. If they are not equal, you have not entered the amounts properly in your journal transaction. Correct the problem before entering your next journal entry.

You are now equipped to capture your business financial books with some simple accounting software. Happy bookkeeping! And Happy Selling!