My Financial Management
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MY FINANCIAL MANAGEMENT
Balancing All the Pieces...
TAKE CONTROL OF YOUR PERSONAL FINANCES TODAY!
_My Debt Management_ Workbook - $19.95 for Immediate Download
CLICK HERE TO PURCHASE
The Problem -- A lot of us are in the same financial boat today! We
are in debt up to our eyes, and we are still spending roughly 10% more
each month than we are making.
* Not enough money coming in...
* Too much money going out... (even I can do that math!)
* Too many bill collectors calling and no good answers... pressure!
* Not enough time to manage expenses, money, or the process...
* Not enough understanding of what we can do to make it better...
* No understanding of short-term impacts, and long-term impacts seem
unrealistic or out of reach
* Those "special" items that you bought "On Sale" for the bargain
price, ended up costing you far more than the retail price after you
now have to pay interest to the credit card company.
* Unbelievable "Opportunities" being "Sold to Us" on television with
hidden costs and long term obligations.
* Media and Marketing geared toward a consumer market that you
can't relate to and with materials you don't understand.
Why Should We Care? -- The truth is, for a long time I didn't... The
thought of what it would take to do what needed to be done was too big
a hurdle for me to overcome, so I kept putting it off.
However, I've found that the breathing space and peace of mind that
I have gained is worth the effort, and with a roadmap, it's even
easier!
WITH THE MY FINANCIAL MANAGEMENT WORKBOOKS, YOU'LL LEARN:
* Ways to collect, review, and monitor your bills
* Ways to reduce your interest rates and monthly loan payments
* Ways to set basic financial goals that can be achieved
* Position yourself to buy a home or other large purchase
* A Process you can adopt to feel knowledgeable / organized about
your finances
* Ways to speak to creditors -- Get them to stop calling and turn
them into debt management partners
* Remove incorrect or old data from your Credit Report, so you can
secure a competitive interest rate on your Mortgage or Refinance.
* Ways to take control of and "own" your credit report, do you go
back to your old ways of impulse buying, or do you start investing
wisely for your retirement and the future of our children?
* Collection of additional resources you might find useful
Our Solution -- As a result of being "stuck" in just this situation
for much too long, I spent hundreds of hours in research, phone calls,
and writing letters trying to figure out what could be done to lower
our debt, while at the same time lowering our monthly payments, and
improving our credit score so we could buy a house.
The Result -- The result (benefit) of taking control of your
finances, and beginning to reach some financial goals in your life are
very clear:
* Peace of mind, knowing that what needs to be done has been, and
that the next time you get a call from a bill collector, you can
calmly say, "I've been meaning to call you, but to be honest, now
isn't a good time. Can we set an appointment for Thursday at 5:30pm
MST to discuss what you need to say, as well as what I've been doing
and how I think we can come to a mutually agreeable solution.
* Confidence in yourself and better self esteem, as well as your
decisions, and eliminating that nagging buyer's remorse that you get
when you buy something that you know you can't really afford or have
completely run out of money by the 3rd week of the month.
* Save money, The example on the 'My Debt Mgmt [1]' page shows
lowering your interest rate from 24% to 17%, but it could just as
easily be from 32% to 24%, or 17% to 12%. The result is the same! --
Saving thousands of dollars and years off your payback plan.
* Improve your own Credit Score, like we did by removing incorrect
data, and data older than the legislated 7 years. Our credit was
firmly in the FAIR category, and we were not able to consolidate high
interest credit card accounts to low interest balance transfer offers.
By "correcting data" at the 3 major credit bureaus, we have raised our
credit score to "GOOD" which brought us a lot of flexibility with our
credit card interest rates as well as the mortgage for our home. We
will save over $300 per month on payments, and over $50,000 in
interest over the life of our home loan.
* Simplified "straight talk" for beginning investors who want to
maximize the investment of saving, but who don't know how to begin.
Sounds impossible? I thought so too, but my success was so
surprising, and so helpful to my friends and family, that they
encouraged to document the process;
THE _MY DEBT MANAGEMENT_ WORKBOOK
_My Debt Management_ Workbook - $19.95 for Immediate Download
CLICK HERE TO PURCHASE
* This Workbook will help you assess your own debt situation in the
privacy of your own home, and will then walk you through the practical
steps to determine which options are right for you.
* I am including a section on Personal Budgeting as well.
Accounting/Budgeting is the language of business, and as such, every
bank, credit card company, mortgage company, or even collection agency
that you deal with will be accustomed to these budgeting tools.
* I also found that having the right vocabulary, and a level of
comfort discussing budgeting and debt as though it were a business
problem (separate from you personally), was a very positive factor in
influencing the outcome of the discussion -- regarding anything from
adjusting our interest rates to advising creditors of possible late
payments.
THE _MY DEBT MANAGEMENT_ WORKBOOK INCLUDES THESE EASY TO FOLLOW AND
UNDERSTAND TOOLS AND TECHNIQUES:
* The 'Debt Management and Budget Analysis Spreadsheet'
* Step-by-Step Process for 'Assessing the Situation'
* How to 'Prioritize Budget Items & Debt Payments'
* Getting to 'Understanding your Financial Picture'
* Using 'Debt Management Strategies'
* An 'Action Plan for Success'
* Understanding 'Budgeting & Debt Management Terms'
* The Basics - 'Debt Management 101'
* An 'Anatomy of a Debt Management Plan'
* Other 'Resources'
* For Your Information - 'FYI - Nice to Know Stuff'
For the price of a single bounced check, you can learn easy-to-use
tools that will immediately put money back into your monthly budget,
and organization into your finances.
_My Debt Management_ Workbook - $19.95 for Immediate Download
CLICK HERE TO PURCHASE
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