My Financial Management

Balancing All the Pieces...

My Debt Management Workbook - $49.95 Immediate Download
    

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Take control of your personal finances today!

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!

The My Financial Management Workbooks show you:

• 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, & confidently tell lenders, landlords, and potential employers what your approximate FICO score is, and about the positive/negative entries.
   
• Protecting Against Identity Theft -- How real is identity theft? What impact could it have on me and my family?
   
• 10 alternatives to foreclosure -- Have we worked through all of the options yet?
   
• What to do with that extra money in your budget; 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, & get out of debt faster. By utilizing these simple "do-it-yourself" techniques, you can put real dollars back into your monthly budget. For example, take your credit card with a $5,000 balance; The example on the 'My Debt Mgmt' 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.