1. An integrated cash flow management method, said method comprising executing an algorithm on a processor of a computer, wherein the algorithm is stored as software on a computer readable storage medium of the computer system, and wherein said executing the algorithm comprises: specifying an average income for a time interval; obtaining alpha expenses and beta expenses from an expense data structure consisting of an expense worksheet stored on an electronic medium that is computer readable and is in the computer system, wherein the alpha expenses and the beta expenses are differentiated by the time interval such that the alpha expenses are paid periodically in accordance with a time period not exceeding the time interval and the beta expenses are paid periodically in accordance with a time period exceeding the time interval, wherein the expense worksheet includes distinct blocks of data comprising a 3-circles block listing 3-circles expenses, a right rectangle block listing right rectangle expenses, and additional expenses blocks collectively listing additional alpha expenses and additional beta expenses, wherein the 3-circles expenses are alpha expenses comprising at least one long-term savings expense, at least one investment expense, and at least one insurance expense, wherein the right rectangle expenses are beta expenses comprising at least one expense selected from the group consisting of an expense for replacement of at least one car, an expense for vacations, an expense for gifts, an expense for emergencies, and combinations thereof; summing the 3-circles expenses and the additional alpha expenses to calculate a total alpha expense for the time interval; summing the right rectangle expenses and the additional beta expenses to calculate a total beta expense for the time interval; dividing a sum of the total alpha expense for the time interval and the total beta expense for the time interval by the time interval to calculate an average total expense for the time interval; computing a cash flow for the time interval by subtracting the average total expense for the time interval from the average income for the time interval, wherein the computed cash flow is a negative cash flow or a non-negative cash flow; and transmitting the computed cash flow to an output device of the computer system.