TWIN BANKING PROGRAM - get control of your money!
NO#1 Income Account			NO#2 Operating Account
All income to this A/C including: Wages	No Telephone banking transfer access other accounts		Amount transferred to this A/C represents money you need to access every day. No bills
Family Payment	No Card Access		Card Access	No cheque access
Spouses Income	No Cheque Access		Food/Groceries
All other Centrelink Payments	No way of getting money out other than:		Fuel
All other Income	BPAY - to pay utilities - gas, electricity, water		Fares
Interest	Walking to bank...		Parking
Investment Dividend			School Lunch Money
Set up Periodical Payments			Entertainment allowance
Mortgage or Rent			Sports
Car Payment			Cultural Allowance
Insurance			Car Maintenance
Part IX Payment			School Excursions
Other standard commitments			Registration
Payment to No#2 Account			Gifts