Plan Your Spending is a set of wealth building tutorials on CD-ROM with a workbook to teach you the tools that bring true financial peace to build wealth. As you use these powerful tools to develop a renewed mindset you will begin to experience prosperity and abundance like never before.
Here are just a few things you will experience with the Plan Your Spending System:
- Renewed Hope and peace of mind
- Laughing with your spouse about money matters
- Clear direction for your hard earned cash each month
- A financial blue-print that you make for yourself
- The ability to make good financial choices instead of dumb mistakes
- Security knowing that you are prepared for whatever the future may bring
- Less stress in your life
- A slower steady pace to build lasting wealth the way is should be built
- Excellent control of your future and your finances
- Something important to teach your children and grand-children
- Fulfilled dreams
- Restful nights and peaceful days
- The mindset to break free and do the work you love
- Independence and freedom from debt
Whether you make a six figure income or just earn
enough to barely get by we all want the same thing:
prosperity and financial peace of mind. The best way to
achieve that is to Plan Your Spending. This special method is ALL you need. It will also take the stress
out of dealing with money in your marriage. It will
help you teach your children important life skills they
will use to build their own wealth. Come journey with
me as together we explore what it means to Plan Your
Spending.
You may NEVER get out of debt unless You Plan Your Spending...
The Problem: To get what we want in life (boat, new car, washer/dryer, 52” HD TV, golf clubs, furniture, etc.) we often spontaneously go into deep debt. Spontaneity is good for when we are on vacation in the Bahamas, but is disastrous when it comes to our financial future. We live with all our future paychecks already spent and with the ever looming possibility of unemployment. The stress of squeezing each monthly payment into our overloaded earnings causes us to loose sleep at night. We become managed by the lack of money each month and constantly fight with our family and spouse about spending. Life seems like a tragic nightmare. But to live without credit takes a completely different mindset. Too many have difficulty visualizing living within their means without using some form of debt. A cash spending plan is a new idea even though it has been around for hundreds of years.
Did you know? Sawing wood with a plastic knife is nearly impossible. Sawing wood with a hand saw is better but still takes considerable energy. Sawing wood with an electric radial arm saw takes the least amount of energy and makes the cleanest cuts. Likewise, there is a powerful budget that takes little energy and gives you the MOST efficient spending control without all the stress. This is a budget that both you and your spouse can agree upon.
Not tragic enough for you? There is a death in the family and we need to travel out of town. In our grief we spend to comfort ourselves and then miss a couple of credit card payments. The phone rings off the hook day and night. We also get embarrassing calls at work from those stinky credit collectors demanding money we don’t have. Our boss becomes cranky with our failing performance and we become short with our coworkers. We scream at our spouse and kids, “I’m going to put us all on a budget!” We get out a pad of paper and a pencil. The numbers we write down scare us half to death and we feel overwhelming hopelessness and despair.
Did you know? The Average person pays $462,000 in Interest over 37 years... YOU are worth nearly 1/2 million dollars to your credit card companies. Do you have a good debt reduction plan?
Still not tragic enough for you? Next we call a debt relief or credit counseling company. After laying out our lives in painful detail we agree to a “debt management plan” or consolidation loan. But then we realize that the required payments are very steep and there is no room for error. After several months we are still struggling from month to month. Our spouse now threatens divorce so we think seriously about bankruptcy. Yesterday, a tire blew out on the car and we used what we had in checking to replace it. Today, the washing machine stopped working. We go to the appliance store to buy a new washer only to have our credit application denied because we are in credit counseling. The crises in our life seem to continue to grow out of control.
-- What issues do we face with poor spending controls? --
- We become “disconnected” from our physical money. We never know clearly how much money we have and where it is going. This is evidenced by bounced checks and declined credit card transactions. At the most critical times of need we seem to have NO cash for the important things like gas or groceries. Our paycheck is spent before we even get it and we long for more money each month.
- A current picture of our finances looks like a polar bear in a white fog. We sense the danger but we can not see clearly enough to avoid a looming disaster in front of us.
Did you know? The Plan Your Spending System is different than any other budget. These tutorials will teach you how easy it is to use this powerful budget to further your success too.
- There is always something that takes us by surprise. Some expense we didn’t account for creeps up behind us and knocks us off our feet. The car insurance is due or our spouse has a birthday and so on. We spend most of our time flat on our backs praying “Oh God! Help me through this day!”
- We need to start saving for retirement but saving seems impossible. We have not had any kind of savings account for years now. We need every dollar from our paycheck so we opt not to contribute to our company retirement plan. Squeezing those dollars is growing tiring and cumbersome.
- Our only plan for emergencies is to crawl under the covers and hope old man Murphy will pass us by. The car may need repair but we pray it will last another day. The roof is leaking but all we can afford is a bucket. If our car broke down on the freeway we would not have the foggiest idea how to handle the situation. An emergency is something we give no thought to until we have one.
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We believe that we will never be out debt. Any debt elimination plan we attempt ends in failure with more debt then ever before.
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The idea of taking a vacation is only wishful dreaming. We would be happy just to get a good night’s sleep.
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The Christmas holiday is no fun anymore. Most holidays are a bother for that matter. Our despair overwhelms us as the stress of spending the extra money or putting holiday expenses on our maxed out credit cards steals what little joy we are able to glean from the season.
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At tax time we realize that we brought home a large sum of money and then ask ourselves, “Where did it all go?
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We have no plan for our future. Everything just happens by circumstance and we know no other way to live. But, yet we see others enjoy success and wonder why circumstance smiles on them so much of the time.
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Living on an irregular income is too difficult. One month we are doing awesome than the next month we struggle to find the money to put gas in the car. The high stress levels cause problems that make our business feel like it is a very bad idea.
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Being with our friends is no fun anymore. We can not enjoy ourselves because we never have enough money or credit to go out with them anymore.
Did you know? Many families don't budget their spending AT ALL because the process is too painful for them. There is one powerful budget that has no pain and brings sweet relief every month.
Reserve your copy of these powerful tutorials!
The REST of us need to carefully manage what we
make...
-- Will just any budget help solve our problem? --
NO. But you already knew that because you tried a budget, remember? You will need more than a bunch of numbers on a sheet of paper. You need a proven method with the right spending mindset and attitude included.
Most spending control methods never work or are very frustrating to use. And if were to you use the wrong budget you might as well be sawing wood with a dull table knife.
There are many ways people budget their spending. Some
make a list of expenses on a yellow pad, some make up a
spreadsheet, some use computer software like MS Money TM or Quicken TM . But they still end up leaking precious money, making
bad spending choices and then feeling broke in the
middle of prosperity (a big pay check). Bummer!
Others give up on budgeting altogether and spend as
frugally as they can, hoping to have cash left over at
the end of the month. They often beat themselves up and
live an unhappy lifestyle trying to not spend on
unnecessary items on a daily basis.
- The # 1 reason most spending plans fail is that
we were never taught how in high school,
college or any where else. How can you do something
right that you were never taught how to do in the
first place? Many just make it up as they go along.
- The # 2 reason most spending plans fail is because the one we use makes us
feel restricted and and all tied up like going on a diet. We want what we want when we want it. However, we fail to realize that a budget is nothing more than a cash spending plan. There is no need to be afraid or cynical of a budget anymore. Instead we use a cash spending plan to live life to its fullest. Now we can lighten up a little.
- The # 3 reason most spending plans fail is because they are overly complicated. Quicken and MS Money can be great computer programs if not for the fact they were written by accountants for nerds who drive everyone crazy. These programs are set up to track too many meaningless details! Why would you want to know how much we are spending on shampoo aside from our grocery budget?
- The #4 reason most spending plans fail is because we get beat up or try to control someone else (spouse, children, etc) with a budget. Everyone gets stressed out and close relationships begin to fail. Over half the marriages end in divorce because of financial problems. A budget is NOT a control device. Give yourself (and everyone around you) a little slack.
- The #5 reason most spending plans fail is they are incomplete and vague. Like the “it’s all in my head” system of budgeting. We forget and major memory lapses that lead to continual mini-financial crises. Or take the “it’s all in the percentages” method of budgeting. What percent caused you to pay over $250 in bounced check charges last month?
Even if you are doing well right now,
you may be leaking out hundreds of dollars and not even
know it. If you and your spouse are continually
stressed out then you need a spending plan that makes
you both smile. If your budget method is
"leaky" then try the Plan Your Spending
method. You have nothing to lose and you can always go
back to your old method. However, once you try this
method then I think you'll throw the old yellow pad
away -- FOREVER!
Introducing...
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Eight (8) Powerful Tutorials
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on a Computer-CD and Workbook about
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an easy-to-use budgeting method
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that only takes 15 minutes each
month to complete...
The Plan Your Spending Tutorials on CD and Workbook Now there is a budgeting method that works!
The "Plan Your Spending" method of personal
and small business financial budgeting. A simple
easy-to-use method used by people who have better
things to do with their time then stress out about
where all the money has gone.
"My whole life was challenged with credit card debt. Thanks to Tom I was able to actually balance a budget and know where every penny was spent. Tom worked out what applied to my life and not just everyone else. His encouragement kept me from slipping off track like other budgets I had tried. Thanks Tom!"
~Brenda P.
The first release is shipping now!
Order your copy before the July 15, 2007 and get $20.00 Off the regular price!
The first thing you will learn is how to "Give every dollar a
purpose". Many household budgeting
methods fail because we fail to purpose where every
dollar should be. Dollars that are left lying around
will leave and never return. This is called
"leaking". It is where money that is
carelessly parked someplace without someplace to go
gets spent on things unaccounted for.
The second thing you will learn is how to Give, Save and Spend in
control and in harmony. Nearly everyone has got the
"spending" part down firm. But many fail to
give or save even when they try hard to do so. It's
not your fault. It's your budgeting method's
fault. You will lear the power of budgeting using a
priority based system where you put your giving and
saving on the top side of your budget. This also means
learning how to adjust you lifestyle to live within
your means and make saving a top priority. No more
settling for the crumbs off the table. (The
banker's table).
The third thing you will learn is how to talk to your
spouse and kids about money. The NUMBER ONE problem in
most marriages today is M-O-N-E-Y. You have better
things to do with your passion then fight about
household finances. How about using your passion for
something more romantic? How about a budgeting method
that BOTH of you can understand and work together on
with ease each month? The Plan Your Spending method
does this and more.
Need to eliminate your debt?
The Plan Your Spending method is the start of any debt
elimination plan! Only when you are in complete control
and fully connected with your hard earned cash can you
truly begin to tackle any debt problem. You must be in
control of your spending FIRST. Only then can you begin
to attack your debt in ways that will wipe it out for
good!
"We got ourselves into a "debt spiral" not really knowing how to get out. It just seemed like every month we were just a little more in debt. We weren't beyond hope, but I couldn't seem to turn this trend and I was having trouble paying off the current debt, so it was just growing. Tom's coaching helped tremendously. He walked me through the "debt elimination" and "budget" processes and helped me plug the leaky holes were money was seeping out unknowingly. His help has greatly reduced our stress over the finances. We have enough money with a budget to pay for our living expenses, to save for things we want, and we have control of the debt spiral. I use the budget program every month and it has been a tremendous help!" ~Rebecca K.
And when it comes to IRREGULAR income you need a budgeting method that will help you get through the lean months. There are special considerations that all self-employed and commissioned persons need to be aware of when it comes to personal finances. The Plan Your Spending tutorials will walk you through budgeting for income that varies and comes at odd intervals.
"Our biggest financial challenge was having too much month at the end of the money! With our irregular income we did not think it possible to get a handle on things, but with the help of Tom and his various spreadsheets, savings plan, and encouragement we were able to get a handle on things. We now have a savings that we continue to add to each month and have found that we can get to the end of the month with money! Tom is very helpful and will be able to guide you through the steps of making a better life for yourself and your family!"
~BJG
8 Tutorials on two Computer CDs:
Lesson 1: The Financial Success Cycle
Lesson 2: Setting Priorities and Values
Lesson 3: The 15-Minute Monthly Spending Plan
Lesson 4: Track it and Manage it!
Lesson 5: Compare – Asking What If?
Lesson 6: Can You Adjust?
Lesson 7: Marriage, Family and Money
Lesson 8: Irregular Income Planning for the
Self-employed
**Bonus Lesson** - Dumping Debt the Right Way!
PLUS** additional bonus material and tutorials.
The accompanying workbook contains additional tutorials and content that will help you get started right away as you work through each computer based tutorial. In addition all the worksheets are printed for you free of charge and you can make copies as needed.
Order your copy before July 15, 2007 and get $20.00 Off the regular price!
How much $$ are you leaking out due to poor financial management? How much more stress can you take from living month to month and paycheck-to-paycheck? You owe it to yourself to find out. Wouldn't it be nice to have a clear picture of where you are financially today and everyday?
"Tom gave us the tools to plan for the future and made us realize that we were not “stupid” “bad” people, we were just in a bad situation. We are struggling, but using the tools and programs we learned through Tom’s coaching, it keeps us looking forward and not backwards." ~GTW
And... I am including a 100% Satisfaction guarantee!
**If you are not 100% satisfied after three months (90 days) of using this budgeting method then I will cheerfully refund your money. No exceptions. It works! and if you work it, then it will work for you. There is even personal and special group coaching available to help you succeed. But you must try it for alt least 90 days.
Wouldn't it be nice if…
- You have access to an unbiased consumer education specialist whose only product is education?
- You know where are now so you could begin to make changes right away?
- You have an expert coach to show you how ?
- You know in a step by step fashion exactly how to get where you want to go financially?
- You have such a clear picture about your present finances and future direction that tonight and every night you sleep like a baby?
You can experience all these things and more when you follow the tutorials on the Plan Your Spending CD and do the exercises in the workbook. After all it's YOUR money and YOUR life. Nobody cares more about yourself than you do. you owe it to yourself to use powerful life tools that make daily living easier and fun.
When was the last time you paid cash for a vacation? (Not financed on credit)
If your car breaks down tomorrow do you have enough money in a savings account to fix it?
How will you live when you retire? Will you be in or out of debt at retirement?
What is your biggest challenge and fear when it comes to personal finances?
Where did you learn about managing money and who taught you? How confident are you that you know all there is to know about managing your personal finances?
These and other important questions are daunting problems that good people face everyday. Are you equipped to handle them? If you use an exceptional budgeting method then you will! Personal finance is just as much about habit as it is knowledge. But good habits and discipline are not the only thing you need to succeed. You need powerful tools that get the job done in short order so that you can spend your energy on more important things - like life!
Purchase your copy between now and July 15, 2007
and get it for only $ 69.00!
But you MUST act before July 15th. After that the price goes up to $89.00
If you are tired of the "money-go-round" and are ready to take back control of your personal and small business finances then you need get started right away. I look forward to hearing from you soon...
