debtfreeonyourterms.com

 

This year, personal debt rose to the point of national crisis in the US.  News reports of all-time high rates of home loan defaults and foreclosures only hint at the real story - many families live under financial uncertainty, with no clear way to financial stability.  The advantage always seems to go to the company - the credit card company, the bank... never the family.

 

Through this site, you will acquire access to a very SIMPLE method that can help you TURN YOUR DEBT AROUND.  The method requires nothing more than a very simple spreadsheet, and some learned discipline on your part.  The method will help you acquire that discipline by providing key insight into how to think about income, debt and expenses.

The price is a one-time charge of $4.99.

 

Best of all, you're in control.  Use the system in the privacy of your home.

 

Learn and apply this simple method, and odds are you will find that you can be in control of your financial future within a year, maybe two.  It's up to you.

 

I developed this method when I discovered that my family had accrued $27,375 in unanticipated debt.  I use the method every month, at the beginning of each month.  It took 8 months to perfect the method. We are now well underway to becoming debt-free.

 

STARTING TARGET DEBT (May 2007): $27,375.00

CURRENT TARGET DEBT LEVEL (Aug 2007): $14,735.00 (46% paid off!)

 

First, some free simple rules of personal finances that I learned the hard way.

Rule #1.  Finances are NOT an emotional issue.

The biggest problem that people face when considering personal finances is the confusing effect that emotions have on how they think about money. 

 

I know the feeling... it seems impossible.  Where will the money come from to pay the bills?  What happened to the time when I could do those extra things for my family?   What about bills that come in that I forgot were coming?  Will we make it to the end of the month?  Gripping fear paralyzes decision-making...

 

Believe me, unless you separate out your motivation for wanting to become fiscally responsible from the act of making financial decisions, you will not be able to see clearly which decisions are optimal.  We often feel entitled to spend a little extra here and there on ourselves because we 'deserve' it... we work hard, the boss is tough, the kids are driving us up the walls, we need a break.  We end up literally stealing from ourselves, our family... guilt that we won't allow ourselves to admit because it hurts too much.

 

To truly demonstrate to yourself and your loved ones that you understand Rule #1, agree to the following:

 

#1.1  One person in the household must make the final large decision(s) on paying down debt.  Their decision(s) should be made with input from others, and they should keep others updated and informed on their decisions and actions.  In the end, however, everyone must agree who makes that decision.

 

#1.2 Once that decision has been made, the person who makes those decisions must also act on those decision (e.g., make payments against debt) and must not rely on others to make the payments.

 

#1.3  NEVER - I repeat - NEVER - discuss finances in an emotionally charged setting.  Plan 1-2 times a week to discuss progress on the project.  If it becomes emotional, stop the discussions, if possible, and try again later.

 

This method is not a marriage counseling method.  At times couples develop problems in their relationship, and money becomes a substitute for the real issues.  Having less debt and more money may decrease negative stress, but it will rarely fix underlying problems with relationships.

 

When you learn the entire method, you will come to see how harmful it is to make such decisions on the fly, with proper planning. You'll also learn how that you can be good to yourself and your family and make the go-ahead decision to spend a little here and there, if you understand Rule #2.

 

Rule #2.  "Budget" is a verb, as well as a noun.

Many people think that using a budget is restricting.  It's not!  It's actually empowering.  They make that mistake because they think of it as a set of rules that must be followed, to the letter, down to the dime.  Not so!  A healthy approach to stable personal finances uses a dynamic budget - one that changes.  When you get discouraged, or angry about the work that you have to put into "The Budget", remember that "To budget" is ALSO a verb - and your decisions and actions about your finances are all activities that fall under 'budgeting'.   When asked about an expense, I often say to my family "Yes, we can do that.  But we'll have to budget for it".  When we're in debt, the decisions and actions we make today influence our budget now - and our debt level in the future.    Use this opportunity to learn how To Budget.

 

In learning this simple method, you will learn how your future finances can be used to alleviate financial pressure in the present in a simple, yet profound manner that makes hard decisions easier.

 

This is no gimmick.  I am a father of two, with the usual car payments, a large mortgage, the works.  I want financial stability for my family, so I took control, and developed this method.  IT WORKS FOR ME, NOW LET IT WORK FOR YOU.  I want to help people find their way to being debt-free.

 

That's why I am offering this method for only $4.99.  I had thought about higher prices.  But I realize that anyone who needs the method also needs a break.   I don't want to add to your debt.

Pay a one-time, NO-RISK fee of $4.99 (online purchases only) to START NOW (secure payment, NO HIDDEN FEES).

 

Here's what you are buying:

-A very simple spreadsheet file that you plug your budget numbers into.

-A 20-page very large font easy-to-follow manual (.pdf) that describes the EASY WAY to managing your debt.

 

Buy Now! Click on this button to proceed to the SECURE 2CheckOut.com Site.

Debt Free on Your Terms, v1.0 Spreadsheet and Manual

 

2CheckOut.com Inc. (Ohio, USA) is an authorized retailer for
goods and services provided by debtfreeonyourterms.com.
Vendors: To use 2CO on your own website, sign up today.

To Purchase By Check or Money Order: If you really don't want to make a purchase online, which is understandable, email us at check_purchase@debtfreeonyourterms.com with the subject line "Debt Free Payment", and we'll send you a mailing address to which you can send a personal check or money order for $6.99.  ($4.99 plus $2.00 processing fee). Upon receipt of payment, we'll email the files to the email address you made the inquiry with.  Please Allow as much time as it takes for your check to arrive and for us to make sure it clears (2-4 weeks).

PRIVACY INFORMATION: We collect your personal information only so we can contact you in the future if there is ever any need to update you regarding what you've already purchased.  We do NOT sell your personal information to any third parties.  We will NOT contact you to buy anything else.  This is a one-time purchase, with a one-time payment.  GUARANTEED.

CONTACT INFORMATION: If for any reason you would you like to contact us or have any questions regarding your purchase, please email info@debtfreeonyourterms.com

TESTIMONIALS AND THANK-YOUs: This product was made available online in August, 2007.  After you've paid down your debt, if you'd like to share your story as a testimonial, please email us at testimonials@debtfreeonyourterms.com  If we use your testimonial, we will not reveal your name or email address.  We'd love to hear from you!

 

 

Here are some resources from Amazon.com that you might also wish to consider: