Budgeting Essentials
Crush Your Money Woes 5 Ways: Don't Let Debt Stay
Your Goal: Don't Let Debt Stay
Your Situation: You got debt.
Your Desire: Crush these money woes.
Let's Dive In:
Crush #1: Control Wrong Words & Thoughts
What do words and thoughts have to do with money woes?
Simply said, how you think affects how you spend.
My job does not pay enough.
The economy pulled us down.
It's only going to get worse.
I've done all I can do about this money thing.
If only I had a better job...
*Clap your hand over your mouth!
*Stop believing what you don't want.
*Start saying what you do want.
Crush #2: Tell Money Where to Go
Am I supposed to talk to my money?
Yes! Here's how you talk to your money:
I refuse to be pushed around
by advertising that tells me what to buy and when.
I decide ahead of time
how much I will spend on everything I purchase.
I will decide if I am able to afford each expenditure I make.
Make money serve you.
With every new expense that pops up, take the time to approve
or disapprove the expenditure before it starts - or shop
around for a better price!
Control your thoughts.
Non-essential purchases are often thoughts that have been talking to you.
Learn to answer them back appropriately and promptly.
“Hey, what about that nice _____. Wouldn’t you like to have one of those?
You've been working hard; you deserve it.” Answer: Not now.
“You know how good you will look wearing this?
You can have it today for 4 easy payments.
Why don’t you just get it today?”
Answer: I don't need that to look good!
“So what? You don't have the money right now.
Go ahead. Pull out the credit card.
Answer: Nope!
You know that old clunker you've been driving
is about to give out any day now.
The car lot offers fast financing. Why shouldn't you have nice wheels?
Answer: Repairs are less expensive than a new car.
Beside, we're saving for a house!
Crush #3:
Take a Power Stance Over Every Bill you have.
Put together a simple budget with our
free-to-you Debt Relief Workshop (
See details below)
->Write the balance of every bill you owe.
->Write the interest rate on each of your bills.
->Write the minimum payment of each bill.
->Go online and find one of those interest calculators.
->Plug in your numbers to get the number of payments until
the bill is paid off.
->Arrange your bills in order of the shortest payoff
to the longest payoff.
Pay your bills timely each month.
Add some extra money to the bill with the shortest payoff.
(Even $5 more each month will help!)
Watch that bill get paid off quicker
than the calculator told you it would.
Once the first bill is paid off,
take the dollars you were paying on that bill
and add it to your next shortest payoff bill.
The financial reward$ you reap from
this pattern are yours for the taking!
Crush #4: Command Option for Go-getters
Go Getters Get Rid of Debt
When you get:
money in a birthday card, a tax refund,
a work bonus,
or pay from a side hustle job:
Apply as much as you can
to the bill with the shortest payoff period.
Crush #5: Strategize to Save Money
Strategy = A careful plan that leads to your goal
How to Strategize smart spending:
Since money woes do not necessarily stop when you get
descretionary spending loans paid off, you can strategize
for your next BIG want:
Maybe you want to pay off your car or mortgage early.
Maybe you want to save for a new house.
A new car.
Or a boat.
You choose.
A good plan must be carried out
in order to be successful
->How about taking the money, you were using to pay those bills
and sticking those dollars into a savings account?
->Once you get a chunk saved,
how about putting that chunk of dollars
into a CD that will earn you more money
than a simple savings account?
When you cannot touch the money for a term of months -
it tends to grow faster than you might expect.
You may also want to increase your 401k deductions
at work so you get the maximum company match amount.
This is like free money reward$
Remember the Goal:
Crush your money woes!
Truth in Our Advertising:
Currently, the only revenue Dan the Budget Man
and Budgeting Essentials receives
comes from the products we sell.
If you'd like to purchase a product, we appreciate it so much!
The first one is free. (Free Debt relief workshop)
- The second one is a paid product so you can do your bookkeeping quickly and efficiently without a subscription. (SST)
- The third one is a paid product that takes you into a deep-dive of how to take control of your money and pay off your bills. (Debt Relief & Budgeting Program)
Economic times got you down? Free Help Here:
Try our free and simple Debt Relief Workshop (<- Click and go)
Tired of paying every month to get your books done quickly?
It’s called SST – short for
“Spend Smart Tool” (<- Click to learn more)
Best News = Not a Subscription model.
One price.
One time.
Lifetime access.
Debt Relief & Budgeting Program
Click the link above to learn more.
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See You next time!
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