Creating True Financial Independence Now Online

Our Next Class to get you Debt Free begins March 25th Online

This is a four week course.

Each week will have a lesson

Each Week will have a Conference call to answer your questions.

One Person’s experience taking Matt’s Creating True Financial Independence Course.

We’re Thinking about offering this class Online Beginning March 25th.  Interested?

It will be live but you’ll still have access to the class at your own convenience (You can watch and learn on your own schedule)

If you even think you might be interested, then here’s the list to get on.

Demand is High, so we expect the class to fill.

This list will be for early access to the sign up page.  We’ll also send you our report on 10 ways to find $300.

My First National Bank of Durango debit card was compromised along with up to 5,000 other cards that we part of the Heartland Payment Systems data theft.

What to do if your debt card has been declined?

1. Contact your bank immediately to determine the reason.
2. Review your account transactions to determine if there have been any fraudulent charges.
3. Dispute any fraudulent transactions – the bank will put the money back into your account. Just like with a credit card you are not liable for fraudulent charges.
4. If there has been fraud, close the card and destroy it.  Have your bank reorder a new debit card. Request a rush order to be placed if you have an urgent need for the card.  The bank may charge a $50 rush fee and you may be able to get them to waive the fee.

Hi, I am Matt Kelly and this is the story of how I got into and out of debt.  Check out my class Creating True Financial Independence

After graduating from Thunderbird School of Global Management with a Master of International Management in 1991 I began a sixteen-year cycle of accumulating credit card debt and paying it off by rolling it into my mortgage and declaring, “Never again will this happen!”  Without any skills or tools to change his behavior, it happened again and again.

In February 2007 my wife, Cheri, and I began attending the thirteen-week Financial Peace University.  Over the following fifteen months we paid off $165,000 in debt and saved $20,000.  No, we didn’t have huge incomes.  We had received a $40,000 inheritance when my parents passed away – which we didn’t use to go to Hawaii.  Instead, we paid off debt.  In addition to using the $40,000 to payoff debt we harnessed our $80,000 annual income to payoff an additional $25,000 in debt and save $20,000

Since before we were married we had talked about taking a year off from work to travel the world.  At times, when our debts had been rolled into our mortgage, the dream seemed more likely to happen.  Of course, moving debt from one place to another did not really ever pay it off; it just hid the reality of their situation.  Then, thanks to getting all of our debt paid off, except for our mortgage, the dream became a vision.

The remaining $100,000 debt payoff came from this shared dream.  Realizing that paying off our home would be a key component to being able to freely travel around the world, we decided to downsize our condo.  We sold their $300,000 condo that had a $200,000 mortgage and bought a $200,000 condo using a $100,000 down payment.  We like the new smaller condo better and can foresee the day when we will embark on our journey around the world.

After having gone through the process of getting out of debt, our marriage is better, there is more ease in our life, and we are happier.  And the best thing is that I found a passion and a gift for helping others get out of debt too.  I have developed the class Creating True Financial Independence after taking this class most people can be debt-free, except for their mortgage, in 12 to 18 months.

In addition to teaching Creating True Financial Independence I do private coaching.

Check out this very helpful article:

3 ways to sell your old electronics that are collecting dust

From Bob over at christianpf.com

Great questions inspired by Your Money or Your Life.  Answer them thoughtfully and honestly and they will give you some great insight into what money means to you.

Who or what has influenced your major financial decisions?

If you aren’t doing what you want in life, whose dreams are you fulfilling?

When you think about your financial past, do you see any patterns?

What financial advice from the past sticks in your mind today?

What messages about money did you get as a child?  How are these reflected in your actions?

What does money mean to you? Power? Security? Sex Appeal?

Have any life crises altered your thinking about money?  How and Why?

Have you ever felt poor or wealthy?  How would you define poor or wealthy?

How much time do you spend with popular media such as television, newspapers, magazines?  How do these contribute to your view of financial situations?  Your wants and needs?

Who is your financial role model?  Is there someone that you compare yourself to when it comes to money?

What makes you feel “real” – that you really matter?

Here are 18 ways to raise $300 or more
1. Start Living on a Budget
2. Get a 2nd job or work overtime
3. Sell Stuff on EBay or Craig’s List  – may I suggest:

• Extra Bike(s)
• Extra Outdoor Gear
• Kitchen Gadgets
• Jewelry
• Books
• Collectibles e.g. baseball cards and comic books
• Musical Instruments
• Furniture
• Tools
• Cars

4. Stop Going Out to Lunch
5.     Bring Your Own Java
6. Stop Drinking Soda and Energy Drinks
7.     Quit Smoking
8.     Eat Dinner at Home
9.     Drop Cable/Satellite TV
10. Pay With Cash
11. Rediscover the Library for Book and Movies
12. Get Rid of Your Storage Unit
13. Eat Less Meat and Cheese
14. Stop Buying Convenience Foods
15. Stop Incurring Overdraft Fees – Balance Your Checkbook
16. Raise Your Auto Insurance Deductible
17. Cancel Your Land Line
18 . Stop Buying Junk Food

Learn how to take your career, team, business, marriage, relationship, family, and life to a new level by passionately and purposefully pursuing your dreams and helping others to do the same!

I attended the first Living the Dream workshop and highly recommend it.  Check it out http://thedreammanager.com/living-dream-event-sign

Living The Dream

Since the release of Matthew Kelly’s best-selling and award-winning book, The Dream Manager, there has been enormous interest from people about how to go deeper with the remarkable concept and principles outlined in the book. Companies are contacting Floyd wanting to learn how they can begin a Dream Manager Program… Managers are asking how they can use ideas in the book with their direct reports… Teams are wondering how they can create the dynamic teamwork depicted in the story… Many more are curious about how the idea can transform their family, relationships, career, and life… And not surprisingly, hundreds have decided that they want to become Dream Managers themselves.

This overwhelming response confirms what Matthew suggests in the book — it’s a wonderful thing to achieve our own dreams, but it’s an incredible feeling to help others accomplish theirs!

If you are interested in learning more about…

• How to define and pursue your dreams
• How to help others achieve their dreams
• How to introduce The Dream Manager concept to your workplace
• What skills make a good Dream Manager
• How to become a Dream Manager
• What the coming HR Revolution means to you and your company

…we would like to invite you to a special, one day training that will take your knowledge and understanding of The Dream Manager concept to a new level. Spend a day with Matthew Kelly and the Floyd team…it will change your life forever!

What?

Living the Dream: Mastering The Dream Manager Principles!

When and Where?

Monday, October 26, 2009 — 8:30am – 5pm
UBS Tower
1 North Wacker Drive
Chicago, IL 60606

Why?

To learn how to take your career, team, business, marriage, relationship, family, and life to a new level by passionately and purposefully pursuing your dreams and helping others to do the same!

Investment?

$595 per participant. Special rates are available for groups of five or more. Please contact Becky Freking at bfreking@floydconsulting.com for more information.

Matt Jabs at debtfreeadventure.com wrote and interesting post about spending journals.

I love that he is trying to reign in discretionary spending, however I believe that the cash envelope system is a far better way to do that.

A spending journal is reactive. Cash envelopes are proactive.

With cash envelopes I don’t have to record every purchase and I get to allocate my money when I am doing my budget each month. It’s the difference between making a grocery list and eating before you go to the grocery store Vs going to the grocery store when you are hungry without a list.

Since I know the purpose of each envelope I don’t care where I spent the money so long as I don’t spend the grocery money on beer. However, beer can be bought from the miscellaneous, restaurant or entertainment envelopes.