From: Terry Rigg (Grandpa Terry)
Author, "Living Within Your Means - The Easy Way"
You've read the ads stating "Pay Off Your Debt In 12 Months By Consolidating" or "We Will Settle Your Debt For 30 Cents On The Dollar". I know you've seen hundreds of them on the web, on TV, in the newspaper and almost any place you look today.
Why are there so many? It's simple. People want to get rid of their debt and start enjoying their lives and not have worry about money. More Importantly, they want to do it fast. I'm betting you do too!
Your Debt Isn't All You Have To Worry About
Let's say that you decide to consolidate your debts.
What a great feeling it would be to have everything in one neat payment that is probably less than you were paying. You can now start using that money to buy the things you want, right?
Wrong!
Sure, you have more money but you had more money before you took on that last debt for something you just had to have, or the one before that, or the one before that.
There is another factor that isn't considered when you consolidate your debts. That is, what is going to stop you from acquiring even more debt on top of that consolidation loan. You've done it before so what has changed?
Nothing has changed!
Why Would You Borrow Money To Pay Off Your Debt?
The answer to that is also simple.
You were in a hurry to free up some of your money to buy what you need and want or you didn't think you could pay your existing payments with the money you make.
If either of those situations fits you, then
Wrong Again!
Should You Try Debt Settlement?
Settling your debts for pennies on the dollar sure does seem like an attractive alternative to possibly filing bankruptcy. You get out of debt and don't have to pay back all of that money. Sounds Great!
But, like consolidating your debts,
debt settlement has it's drawbacks. You are usually looking at a damaged credit report and low credit score. If you think this is the way to go...
Wrong Again!
Well Then, Is Bankruptcy My Way Out?
It could be if you have exhausted every other option.
Bankruptcy stays with you for 10 years and can affect not only your credit but can cause you problems applying for Insurance, employment and even renting a home or apartment.
The bottom line,
you haven't tried everything if you haven't tried my system. So the answer is NO, Bankruptcy is not the way out.
Do You Trust Yourself?
Trying to take the apparent easy way out isn't going to solve the Root Problem.
If you are in a position to consider Debt Consolidation, Debt Settlement or even Bankruptcy, you have over extended your debt. In other words, you have taken on too much debt for your income.
What's to say that you won't do it again after you have taken one of these drastic steps.
I don't want to bore you with statistics, but in a
very large percentage of the cases where someone resorts to Debt Consolidation, Debt Settlement or even Bankruptcy, they are in debt over their heads again within a year or two.
- Do you have a plan to prevent going in debt again?
- Do you have any idea how you can avoid this?
- Are you absolutely certain that you won't fall into the same trap you are trying to free yourself from now?
So What Is The Answer?
There is only one way to solve your debt
problems and prevent them from happening again!
You Must Have A Thorough Understanding
Of How Your Personal Finances Work, And A Real
Incentive To Stick To It, Pure and Simple.
That sounds simple enough but believe me it's not!
Let's Take A Little Test To See How Much You Know: (If you know the answer check the box)
5 Simple Questions!
Did You Know All Of The Answers? Probably Not! But, that's OK, very few people can answer all of these.
If you didn't know all of the answers and are looking for a way to find the answers to these and all of your other money questions, I have some Great News:
You Can Get All Of This Information
And Much More With The
"Living Within Your Means - The Easy Way"
Package Deal!
I want to introduce you to a brand new package deal that includes my ebook "Living Within Your Means - The Easy Way".
This 103 page guide and all of the associated resources are designed to help you completely understand your money and how you should be managing it. It is the only ebook package you will ever need to gain control of your finances.
The system explained in my ebook is simple to understand and easy to implement. There are no fancy terms to confuse you.
My ebook is about basic money management and how it can help you eliminate your debt, period. While I touch on things like investments and wealth building, these are things that you can learn elsewhere by more qualified instructors.
I believe you came to this page to learn how to
live within your means so that's exactly why my ebook covers these topics and these topics alone. But, there is a lot to know about properly managing your money.
You Will Have A Complete Understanding
Of The Three Main Areas Involved in
Basic Money Management
These are:
Identification
This is where you
identify what your goals are for you and your family's future. It also includes
discovering what problem areas you have with the way you are currently managing your money. Once you have this step conquered you are well on your way to understanding what to do next.
Organization
By accomplishing this step you will completely eliminate the confusion about how to manage your money. With my ebook, you will
have all of the tools you need including the forms and worksheets and a simple guide to setting up your realistic budget. You will also be shown how to setup your organizer to include your budget, bills and receipts and bill payment schedule in one handy place.
Elimination
This is the bottom line to "Living Within Your Means - The Easy Way". No matter what your current financial situation you would be better off if you didn't have
your debt robbing you every month with interest charges and in some cases late fees and penalties. My ebook will show you not only how to pay off your debts but where to find the money to do it.
"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 |
IN THIS Ebook YOU WILL LEARN HOW TO:
Quickly Identify what is causing your problem;
Drastically cut your Monthly Savings expenses;
Prioritize Your Spending;
Prevent Impulse Spending;
Organize your Bills and other financial paperwork;
Systematically pay off all of your existing debts;
Provide Financial Security for you and your family;
Know your Legal Rights when dealing with creditors;
Prepare for Unexpected Expenses;
Budget When Your Paycheck Varies;
Properly Manage Your Credit Cards
Sort Your Money On Payday To Make Sure You Cover Everything;
Start a workable savings program;
Eliminate overdraft fees on your Checking Account;
Increase your credit score and build your credit rating;
Prevent filing bankruptcy;
Determine if Loan Consolidation is right for you;
Reduce your income tax burden;
Become a Stay-at-Home Mom;
Pay your bills on time every month;
And Much, Much More.
This book is a tremendous asset to have no matter what your income level is....
This book is very easy to read and understand. I have already started saving by putting Terry's easy ideas to work. I would recommend this to anyone that is interested in having more of their own money to spend, whether it be now, or during retirement.
Marlena Harris, United States |
Let Me Tell You My Money Story!
See If This Sounds Familiar!
For over 30 years, I have helped thousands of middle-class Americans by showing them an easy and effective way to manage their money better. How did I get so smart? It certainly wasn't from taking courses on personal money management.
I gained my knowledge about how to handle my money the hard way. I have made just about every mistake that can be made. I've experienced the confusion, frustration and humiliation of not being able to pay my bills on time. I even had to file bankruptcy many decades ago.
I know what it's like to try to hide from your bill collectors or worse yet make my family do without what they need so that I can pay the bills. This can start eating away at your self respect. It can make you want to throw your hands up and quit.
...yours is the first system (I am 51) that I could easily incorporate into my busy lifestyle and stick to
I want you to know that I am using your budget system, and have been for about a year. While I have always enjoyed working with numbers and payoff plans, yours is the first system (I am 51) that I could easily incorporate into my busy lifestyle and stick to. It has really helped me to feel in control of our finances! Thank you again!
Tricia, Arizona |
Finally, I had had enough. This is when I started working on the system found in my ebook. It took a while to really understand what I needed to do to make the system work, make it easy to understand and cover everything.
The more I understood the better things got. I was able to start paying everything on time and by using several cost cutting methods I was able to start paying off my debt. It was a great feeling!!
In 2001, I wrote "Living Within Your Means - The Easy Way" and included everything I had learned about how to really get a handle on your money so that I could share this information and help others do what I did.
Now it's your turn. Up until now I have concentrated on my ebook providing help to individuals that are having money problems. Actually, even if you are paying your bills on time every month you can still benefit from my ebook.
...most concise, to-the-point budgeting resources that I have had the pleasure to read....
Terry Rigg's e-book "Living Within Your Means-The Easy Way" is one of the most concise, to-the-point budgeting resources that I have had the pleasure to read. Too many so-called self-help books end up on the yard sale table or are discarded to the dustbin because they are pep talks with feel-good advice. Terry's ebook doesn't mince words. If you are reading his book, there is a reason for it and it requires self-discipline and restraint to constrain personal spending while finding the hidden dollars in one's paycheck to not only make ends meet, but to save for the future while eliminating the weight of credit debt. I recommend Terry's e-book not only to the debtor weighed down by the burden of debt but to the young person just getting out into the world....
Joe Keenan, South Dakota |
You Will Be Amazed At How Much Money You Can
Cut From Your Bills And Expenses
Besides the great organizer and other information in my ebook I will show you
over 100 ways you can cut your bills and expenses so that you can use that money to pay down your debt or for any other purpose you choose.
Here are just a few of the expense cutting areas mentioned in my ebook and the average savings my readers have been able to achieve:
|
Average Savings On Your Home Expenses |
|
Withholding Taxes | $127 Monthly |
Electricity/Other Utilities | $67 Monthly |
Mortgage | $210 Monthly |
Cable/Satellite | $51 Monthly |
Telephone Service land line/cell | $65 Monthly |
Eliminating Bounced Check Charges | $47 Monthly |
Late Fees/Over limit Fees | $54 Monthly |
Auto/Life/Health/Home Insurance | $89 Monthly |
Groceries | $190 Monthly |
Car Expenses | $87 Monthly |
Other Household Expenses | $155 Monthly |
Early Debt Repayment | Potentially $10,000 or More |
Financial Organization | Priceless |
Many, Many More! |
The Same System That Worked For Me
Will Work For You!
When you
open "Living Within Your Means - The Easy Way" and start reading you will start to visualize exactly what changes you need to make to your finances almost immediately. About a third of the way through you will be able to sit down and organize everything, make plans to cut your expenses and see just how easy the transition is going to be for you.
My readers tell me that
it's about the third chapter of my ebook where they start getting excited and realize that they will be able to accomplish what they had previously thought was impossible.
...am very excited to travel the road to a balanced household budget and a savings account that keeps growing
I want to extend my deepest thanks to you on this book. I am a single mom trying to support 3 boys on my salary and measly child support. I have always had good intentions of starting a budget but kept putting it off with excuses. The number one excuse was that it looked too hard to even start. After reading your book on budgeting, I HAVE started and am very excited to travel the road to a balanced household budget and a savings account that keeps growing....
Cindy Thrasher, Indiana |
Here's Why Am I Sure The
System Will Work For You?
It's Easy, Straight-Forward and Step-by-Step!
My system starts out by teaching you the very basic money management skills and then
takes you step-by-step through the entire process in very easy to understand language.
I will provide you with all of the tools you need to set up and maintain your very own money management system.
You will receive
over 100 different ways to cut your household bills and expenses to free up money to use to catch up on your bills, lower your debt or just to have more money to prevent you from continuing to live payday to payday.
I will show you
a unique system to quickly payoff your bills without getting another job or finding another source of income.
You will receive one of
the easiest budget organizers available today. This organizer is designed to eliminate making late payments or paying a bill that has already been paid because you have lost the receipt.
Absolutely
every aspect of your personal finances are explained in my ebook so that you have a complete and comprehensive understanding of what you need to do to manage them correctly.
I not only show you
how the system works, but I will also explain why each step is necessary so that you will have a complete understanding of your personal finances and eliminate the possibility of falling into the same debt trap.
| Every age, every stage person can learn from this book
Thrown at you by page 8 are words so strong that you want to cut and run ( discipline, organization, CHANGE); but then comes the line of saving grace: "I believe that anyone that gets up and goes to work everyday, or takes care of a home and family, already has the discipline they need, they just have to learn how to apply it". Very sweet words to the ears of the money-battered and frail.
Starting from basic "baby" steps, the author leads you through the forms,guidelines and thinking processes that enable you to achieve the financial focus that will lead you to your financial freedom.
Every age, every stage person can learn from this book. I would have bought it for the list of web sites alone....
Elaine Wente, Nevada |
The main reason my system works so well is that It Is Simple. If you know how to add and subtract you can make this system work for you.
Even If You're Not Having A Financial Crisis
My Ebook Can Still Save You Thousands!
"Living Within Your Means - The Easy Way" will help you no matter what your current financial situation. Most of my readers are just looking for an easy way to organize their finances and learn how to cut their expenses so that they can have some extra money, something that they feel is necessary for their families future.
Other readers need much more help, some are on the brink of bankruptcy.
This is where ordering my ebook becomes not just important but
absolutely necessary. There are very few resources available to help when your financial situation has gone this far. But, my ebook will help you know exactly what to do if you find yourself in financial trouble.
It is very important to me that you succeed no matter what your situation or goals are. That's why I have decided to back up my ebook with unlimited support.
If you ever have a question or need help in any way,
you are encouraged to contact me personally and I will reply within hours, guaranteed.
Speaking of guarantees,
"Living Within Your Means - The Easy Way" carries an unconditional guarantee for 45 days. If for any reason, or for no reason at all, you feel that my ebook hasn't lived up to your expectations or you feel it fell short on delivering what I promised, you will get your money back no questions asked.
...one stop guide to learn everything you need to know about how to get your finances back on track
The book is a wonderfully complete guide to getting your finances in order. Whether you need to make more money or spend less, it's a one stop guide to learn everything you need to know about how to get your finances back on track. I love that the links are right in the book, so further information is only a click away. I love the additional ideas at the end....
Nancy Lopes, New Jersey |
Click Here To Read More Customer Reviews
Now, for your Amazing Unconditional Money Back Guarantee:
Here is my Pledge and Guarantee To You
I don't want you to risk anything. If money is tight you can't afford that. So, I'm giving you a full 45 days to try "Living Within Your Means - The Easy Way" and the bonuses. If you don't believe, for any reason, that this offer is exactly the way I explained it, you WILL get your money back.
I personally guarantee if you make a diligent effort to use just a few of the techniques in my ebook, you'll find at least $200 a month in savings on your expenses in the next 30 days. That's right, $200 in extra money you never would have seen without this ebook. If you don't, I'll refund the entire cost of the ebook to you, No Questions Asked.
That's $200 More Each And Every Month Or You Get Your Money Back!
Actually, you get double protection. Here's how. At any time during the 45 day period, if you sincerely feel I fell short in any way on delivering everything I promised, I'll be happy to give you a complete refund. Even if it's on the 45th day!
|
This Is A Package Deal To Help You
Realize Your Dreams Starting TODAY!
It took me several months to find just the right
Package Deal Add Ons to offer that would enhance the value of my "Living Within Your Means - The Easy Way" offer and make sure that you have all the help you need from
Start To Finish.
I did find some things that I believe are crucial that you know and a couple of others that
will simply make your task a little easier. I am even
offering a 2 for 1 special so that you can share this valuable information with a friend or family member.
Package Deal Add On 1
"The Complete Budget and Bill Organizer"
The absolute easiest Budget System Available! You get all of the forms and worksheets you need to setup and maintain an effective Budget. You also get an extremely simple way to organize all of your bills and receipts so that you can lay your hands on anything you need within seconds. You will know at a glance what's been paid for the month and what's left to be paid. "Your money at a glance!!!"
Package Deal Add On 2
Credit Secrets Revealed!
The Insider's Guide To Credit Repair"
Learn Exactly How to Increase Your Credit Score By 71 Points in 30 days, And Never Suffer From The Rejection Of Being Denied Credit Ever Again! You also get the "Letter Creator" to help you know what to say to your creditors.
Package Deal Add On 3
"How To Budget Successfully"
35 Of My Money Management Articles To Guide You Through The Process of eliminating your debt. These articles can be found on hundreds of web sites throughout the internet but I have combined and categorized them in this easy to read PDF ebook.
Package Deal Add On 4
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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.
Package Deal Add On 5
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Package Deal Add On 6
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Package Deal Add On 7
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Have you ever wondered why you pay and pay and pay on credit cards and the balance never seems to go down? There is a very good reason for this! Credit Card companies figure their interest differently than regular loans.
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SpecialPackage Deal Add On 8
FREE UNLIMITED SUPPORT
When you order you will receive a Priority Email Address directly to me so that I can provide you with unlimited support. You will never be left on your own. It's like having your own Personal Financial Adviser just a Send Click Away!
GET MY EBOOK, 7 PACKAGE DEAL ADD ONS PLUS UNLIMITED SUPPORT!
WHAT IS IT WORTH TO YOU?
By now, you are no doubt wondering what all this is going to "cost" you.
Look, I am committed to educating everyone I can on the proper way to manage their money and learn how to live better. I know I could charge a lot more for my ebook but then you may not be able to afford it.
I've spent most of my life perfecting my system to make sure that every aspect of my system will work for everyone and that it covers every possible money situation.
The techniques found in "Living Within Your Means - The Easy Way are *proven* to work in real life - and I'll give you unlimited access to everything *right now* for only $77 ($47.97 for a limited time). That's a 38% Savings
The thing is, I want you to be able to try everything without risk, and that's why I'll give you everything for just $77.97 ($47.97 for a limited time). Spread it out over a year and it would be just a little less than $1 per week. (Think about it... That's about what you'd expect to pay for a cup of coffee a week!) Every year after that you'll save hundreds if not thousands of dollars in interest charges by investing $47.97 today. When you look at it like that this investment really doesn't cost you anything.
I guarantee that a few hours of reading this material including the valuable bonuses, will be more valuable to you than YEARS of trial and error. Losing money... Learning the hard way... You don't need that. Get this Complete Money Management System, and you'll be able to start seeing results IMMEDIATELY.
You have the choice right now to cut through all the hype and start operating on powerhouse concepts that will put you closer to debt freedom each month.
It's up to you...
Click Here To Get Started
Within The Next 5 Minutes
Do you want freedom? Not just money, but complete freedom to spend your time doing what you love? Then now is the time to act. Being free of debt can help give you that freedom. Imagine how much money you´d have in your pocket each month when you don´t have any debts. It adds up fast.
Look, it's totally risk-free. The worst that can happen if you try it out and the system doesn't deliver as promised, is that you get a full refund right away, no questions asked.
That's how confident I am that you'll love your investment. Take action now and I guarantee you'll put your finances light years ahead of the 96% of Americans who will end up financial failures.
Once you've read through all of the material, you can email me with any and all questions you have. I'll get back to you quickly with the answer.
You have absolutely nothing to lose, other than your debts and the confusion of not having a money management system that works. You wouldn't have read this far if you weren't serious about changing your financial future.
IT'S EASY TO ORDER
BUT YOU MUST ACT NOW!
This Amazing Offer Will Be Gone Before You Know It!
Was $77
Now Only $47.97
FOR INSTANT ACCESS
CLICK HERE TO ORDER NOW RISK FREE
(Your Privacy Is Guaranteed)
My ebook "Living Within Your Means - The Easy Way" along with the Seven bonuses will be available for immediate download when your order is complete.
Do You Have Questions? Please email me at tre2000@midwest.net and give me the opportunity to set your mind at ease.
You have absolutely nothing to lose, other than your debts. You wouldn't have read this far if you weren't serious about changing your financial future.
To Your Success!
Terry Rigg (AKA Grandpa Terry)
Author
Living Within Your Means - The Easy Way
P. S. My ebook "Living Within Your Means - The Easy Way" can do something for you that Debt Consolidation, Debt Settlement or even Bankruptcy can't! My ebook can ensure that once you are debt free you have the knowledge you need to stay that way.
P. P. S. I want you to take a few minutes to sit back and visualize what your life would be like without any debt at all. By clicking on the above link to order my ebook you will be taking the first step to making that happen for you and your family.
P. P. P. S. If you think that $47.97 is too much to spend on an ebook I would like for you to consider how much it will cost you if you don't. I have one tip in my ebook that affects about 75% of employees that could save you as much as $300 a month. That's $300 each and every month, not just this month. That $47.97 doesn't really seem like much when you consider that.
CLICK HERE TO ORDER NOW!
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