How I Cut My Household Expenses By $500 A Month…And How You Can Too!
Could You Use An Extra $100, $300 or
Even $500 Or More A Month To
Spend Any Way You Choose, and Without
Getting Another Job?
We could get as much as $300 each month just by changing our deductions!….
The item that caught my attention most of all was the tax deductions. When I read this, I couldn’t believe it!
When my husband got home, I read it to him. Needless to say, he was skeptical. I clicked on your link to the IRS and went through it and he saw that it could work.
We could get as much as $300 each month just by changing our deductions! Thank you for opening our eyes and letting us see how to “make” more money…..
Leslie Morse, Iowa
Imagine sitting down at your kitchen table and within
a couple of hours you will have created a vision for
your future. Picture your finances finally coming into
focus after possibly years of wondering. In a moment,
I’ll show you exactly how you can do this with your
Let me make it clear that I’m not a financial guru! I have never spent one minute in a classroom studying “Personal Finances”. But, believe it or not, that is going to help you in ways that you probably don’t understand right now.
For many years I was living paycheck to paycheck. Well, actually I was living from paycheck to about 5 days before payday because that’s when my money ran out. I don’t know how many times I had to tell my wife we would have to wait to buy groceries until I got paid.
Even then, with the debts we had there never seemed to be enough left over to buy the groceries and other stuff we needed to last until the next payday.
I worked hard and even made a fairly decent wage. It was frustrating to say the least. I had a friend that worked with me and made exactly the same money I did but he owned a newer car, he lived in a better house and always seemed to have pocket money, even on payday.
It took me a while to get the guts to ask him what his secret was. It was embarrassing because you just don’t talk about those things with the people you work with. He gave me a simple answer. He said “I don’t spend more than I make!”. That was all I could get out of him.
I thought to myself, “How do you spend more than you make?”. I get paid and could only spend what I had. What’s he talking about?
I pondered his answer for quite a while. It just didn’t make any sense to me. The only money we spent besides cash was on our credit cards. I had two credit cards that we use pretty frequently. Maybe this was the answer.
One day I decided to get all of our bills together and just see if we were spending too much. It took quite a while because I had trouble finding everything.
I checked on how much we were spending on our house payment, the car payment, our credit cards and a loan we had taken out to fix the plumbing. Then I tried to estimate things like groceries, car gas, etc. Come to find out, we had been spending about $600 a month more than I was making for a long time.
Needless to say this was a big surprise. I had no idea. What was I going to do. We were so far in debt that we had to use the credit cards just to get by.
I guess I spent a thousand hours sitting down with a pencil, paper and a calculator trying to figure out how to make the money last and still pay all of our bills and expenses.
I quickly found out that the first thing I had to tackle was setting up a system to keep all of our bills and receipts organized. Without doing this there was no way we were ever going to get straightened out.
When I was going through the bills, I noticed that we had a lot of late fees and bounced check charges that I didn’t realize. This alone was costing us an average of $75 a month. I also noticed that we were paying for credit protection on one of our credit cards. That was almost $22.00 a month! That was something I found out we didn’t need.
The more I kept digging, the more ways I found to cut my expenses. I even refinanced the house and my payment was reduced by $213 a month.
I had to enlist the help of my wife to find ways to cut the expenses around the house, like the grocery bill, electric, etc. By the time we were done, we had over $500 a month that we didn’t have before. Some of that money went to make the paycheck last until payday, but most of it went toward paying off our bills.
This didn’t happen over night. It actually took me several years to learn the secrets I needed to know to make my paycheck mean something again. It took even longer to get my debts paid down to where they were manageable.
It didn’t take that long to actually do it, but it was the learning how that took years. Needless to say, when I did find out what I needed to know to make ends meet and pay off my debt, I got excited, very excited.
I could actually see the light at the end of the tunnel and it wasn’t that far away. I can’t tell you how it felt to pay off my first credit card using the system I had developed.
Then I used the same method to pay off the second credit card. Then the car payment was gone in just a few months. I was still making the same money I was making before, but we had everything we needed, most of what we wanted and eventually a savings account that had more money in it that I ever believed possible.
This system worked so well that I started using it to help family members and others to start getting their money matters in order. When the internet came along, I decided to write an ebook explaining in detail just how the system worked, how simple it was to setup and maintain, and how effective it was to pay off your debt.
Let me emphasize the simple part of my system. You’ve seen those budgets where you have to keep track of every penny and have 30 or more categories to keep up with. Believe me, I’ve tried them and I never had enough time to do all that. With my system you have only four.
Yes, you do need a “Budget” to make this system work for you! But it doesn’t have to be intimidating. In fact, the easier it is the better. And my Budget System is the easiest one I have seen so far. Once it’s setup, you only need to work on it on payday. How’s that for easy!!
Now, here is where my experience will help you.
you are (or worse) and knows what it feels like.
I have felt the humiliation of being turned down for a loan because of my “BAD CREDIT”.
I also know what it’s like to have to tell my kids that they can’t have this or that because we don’t have the money.
I’ve watched my wife have to scrape together meals from next to nothing because we ran out of money too soon.
I’ve avoided answering the phone because I was behind on my bills and couldn’t face the bill collectors.
I’ve panicked when the car broke down and I didn’t have the money to get it fixed.
What’s worse is that I now see that it was all avoidable! It simply didn’t have to be that way.
That’s my story, what’s yours? Are you having the same problems?
- Are Your Finances A Mess?
- Are You Constantly Paying Late Charges and Penalties?
- Do You Run Out Of Money Before Payday?
- Are Your Credit Card Bills Out of Control?
- Are Your Bill Collectors Hounding You?
- Are You Bouncing Checks?
- Are You Considering Bankruptcy?
- Would You Like To Eliminate Your Debt?
- Are you getting tired of not knowing what to do about it?
Well, now is the time to start getting excited! Now is the time for you to realize that there really could be a Much Brighter Future in store for you and your family!
Today, I have helped thousands of people learn a simple and effective way to manage their money. It’s not a difficult task. Anyone can do it. Yes, you can too!
My eBook, “Living Within Your Means – The Easy Way” is an easy to follow guide that leads you through the steps to learn how to really start managing your money and eliminating your debt.
Let’s face it, wanting to solve your money problems isn’t about money, it’s about Your Peace of Mind. It’s about Freedom to make your money decisions based on what you want or need instead of whether or not you can afford it.
- How to find money right there in your paycheck to pay off your debt quickly;
- How to organize your budget and filing system so that you can find anything you need within seconds;
- How you can cut your current expenses without changing your lifestyle;
- How to expel the myth that Budgets are too hard by only using 4 simple and easy budget categories;
- That your bill collectors have rules that they must follow and those rules are controlled by You;
- How to stop using your credit cards and have the cash to use instead;
- How to start saving money for your immediate and future needs;
- How to quit bouncing checks and manage your checking account like a Pro;
- How to find out what is in your Credit Report and How to use it to make better money decisions;
- How to rebuild your credit in a very short period of time;
- How to teach your kids to properly manage their money starting at a young age;
- Why a second job may actually be costing you money;
- AND MUCH, MUCH MORE!
No one can really enjoy life when they are knee deep in debt. Everything in “Living Within Your Means – The Easy Way” is there for one reason. That is to help you learn how to manage your money better so that you can Eliminate Your Debt forever!
Here are just a few:
- The Peace of Mind you will enjoy when you have enough money to pay all of your bills, put money away in savings and plan for your future.
- You can eliminate the Aggravation and humiliation involved in being behind on your bills by not receiving those annoying phone calls and letters from your creditors.
- Financial Security
- You can Enjoy Life because you can concentrate on the important things and not your money problems.
- Living Within Your Means will give you the Freedom to make your buying decisions based on what you need and want and not on how much it costs.
can be yours by having the money to plan for your future needs and wants.
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You can start reading these reviews in the right column of this page and then click on the link to read more.
I’ve been told that I could easily sell “Living Within Your Means – The Easy Way” for $50 or more especially when you include the valuable bonuses you will receive with each order.
The fact of the matter is that if you are already having money problems, how in the world could you come up with that kind of money. We are trying to solve your money problems, not add to them.
NOW, You can order “Living Within Your Means – The Easy Way” risk free for
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Below is my Iron clad Guarantee. It’s Simple!
Here is my pledge & guarantee…(Now extended to 1 Full Year)
I don’t want you just Satisfied, I want you Excited about my ebook. If you don’t believe that this is one of the smartest financial investments you’ve ever made, I will give you your money back.
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2. I will never question you. I will never argue with you. If you say it happened, then it happened. If you say I should refund your money, then it’s done. I don’t need proof, I don’t need documentation, I don’t need you to fill out any forms, I don’t need a note from your mother. Just tell me and I’ll refund your money.
You read about a stock or share that will be going up in the future in a news paper or magazine and you would like Dealing with Biting and other
3. You will never be left in the hole. You won�t be forced to contact your credit card company. If you bought my program and it did not meet your expectations, you will not pay for any of it regardless of the situation. I’ll just refund your money. It’s that simple.
4. There is no fine print period!
Even though “Living Within Your Means – The Easy Way” is worth many times the asking price I still have more for you… Get Your 6 Bonuses!
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This is the best eight articles I’ve seen to show you how to establish good savings habits. This ebook will take you step by step to show you how you can find money to save.
If you have the right software on your computer you will be able to take advantage of this very valuable gift. (HINT: This software is available on most computers)
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Click Here If You Would Rather Pay By Personal Check or Money Order
If you have any questions or concerns before or after ordering this Ebook, just send me an email at email@example.com. You will receive a response within just a few hours, guaranteed.
When you have money troubles it’s important for you to get the help you need as soon as possible. I believe “Living Within Your Means – The Easy Way” will give you the help you need and make the process as simple as possible.
To Your Success!
Terry RiggWe are trying to solve your money problems, not add to them. NOW, You can order “Living Within Your Means – The Easy Way” risk free for 30 days 1 Full Year for Only $19.95. That’s right! If you are not completely satisfied for any Kathleen Wilson Learn how you can make over that kitchen of yours with very little money. Bonus 6 Identy Theft – How To Avoid Becoming The Next Victim By Jim Dimmitt Identy Theft is becoming more of a problem every day. You really need to know how you can protect yourself. Download this 91
AuthorI know what bills are due at a quick glance. I’m sure this method alone will save me a lot of late-payment fees. Also, your forms are very straight-forward and are By the time we were done, we had over $500 a month that we didn’t have before. Some of that money went to make the paycheck last until payday, but most of
Living Within Your Means – The Easy WayI have combined and categorized them in this easy to read PDF ebook. Bonus 3 “Eight Steps to Effectively Tackle the Process of Saving Money” This is the best eight articles I’ve seen Thank you for shining the light on this journey and helping me take the responsible steps to get our finances in order. I truly appreciate your honesty and insight. Elizabeth Biggerstaff, Former Stay-At-Home Mom/Recent Part-time I want our son to have a firm understanding not only of the importance of saving but of
P. S. If you are worried about your debts it’s absolutely necessary to start the process of debt elimination NOW!
P. P. S. Take a minute to visualize what your life would be like without any debt at all. When YOU are in control of your money this is a real possibility.
P. P. P. S. I know that you may have a problem spending $19.95 for something that you aren’t sure of. I can definitely understand your concern. However, you will have a full
30 days 1 Full Year to determine if “Living Within Your Means – The Easy Way” is right for you or I will gladly refund your money, no questions asked.
Click Here If You Would Rather Pay By Personal Check or Money Order
ReviewsThe item that caught my attention most of all was the tax deductions. When I read this, I couldn’t believe it! When my husband got home, I read it to him. Needless to say, he was skeptical. I clicked on your link to the IRS and went through it I have never been financial savvy; however, your e-book presents advice in such a simple, effective manner that even I can understand it easily. I have incorporated many aspects of the e-book already and see room for great Let’s face it, wanting to solve your money problems isn’t about money, it’s about Your Peace of Mind.