Personal Budgeting Is No Longer Boring

If you are like me, you find that traditional personal budgeting methods are boring.

Budgeting does not have to be boring anymore!

If we are anything alike, you don’t like to be restricted by your finances. You value freedom. This includes more free time to share with your loved ones, financial freedom to do some of the things on your life-list (travel, movies, vacations etc.).

If you are anything like me, you  like to have fun, enjoy exciting activities and avoid the boring ones.

Budgeting has been a Boring Tradition

For most people, doing their budget is like doing their taxes…boring.

People don’t like doing activities. No one likes to be reminded of how restricted their lives are. So many people hate to do their budget because they don’t want to be reminded of how limited their finances are.

If you’re like most people, you don’t like to feel stuck with more money coming out of your paycheck than going into your pocket.

Most personal finance and budgeting software is boring

Most budgeting software fails to make budgeting a fun challenge. Instead, most personal finance software only reminds you of how much money you don’t have. Nobody wants to use anything that reminds them that they are financially stuck.

I understand how they feel. That’s why we created a system that makes budgeting fun

What if you could make budgeting your personal finances fun?

What if you could make budgeting a game or a worthy challenge? I bet if you could make budgeting a challenge, you’d enjoy doing it more. That’s why we’ve created the Magic Budget Builder.

Good News! Now Budgeting does not have to be boring anymore!

The Magic Budget Builder System is software and a video course that takes the boring out of  personal budgeting. This system makes budgeting faster, and easier. The Magic Budget Builder System is also accurate and reliable.

The best part about the Magic Budget Builder System is how much fun you can have making your monthly budget.

Imagine how much fun you can have once your monthly budgeting becomes a game that you CAN win? Imagine how exciting it could be to not only build a budget but see your savings instantly? With the Magic Budget Builder now you can.

Try the Magic Budget Builder System out for yourself?

It comes with a 30 day money back guarantee. If this systems is not as easy or fun as I claim it is, I will refund every penny that you paid to order it.

I’ve produced a free video to explain how the Magic Budget Builder works. I’m also offering it at a special price to the first 500 people who download it. So, go ahead, take the boring out of your budgeting.

The Magic Budget Builder System is easy, fast, safe, accurate, reliable and makes building a budget super fun!

You can watch a detailed video about the Magic Budget Builder System if you click here.

How To Damage A Debt Collectors Career Before They Destroy Your Life

Debt Collectors are usually paid to collect on past-due bills.

Debt Collectors often have to show results in return for a paycheck. Every time a Debtor promises to pay – even a small amount of money leaves the Debt Collector drooling….because they are dreaming of the money. To get paid a Debt Collector will say or do anything to collect on a past due debt.

Fox Business, in a recent report published on January 31, 2011 sited the following:

• Debt collectors do a lot of things when trying to recoup money owed
• They call you relentlessly
• Send strongly worded letters
• Threaten lawsuits

I’ve heard clients tell me horror stories and honestly I have a few to share myself. Professionally, I’ve argued with Debt Collectors over harassing my clients.

I’ve had the pleasure of getting a Debt Collector fired. I know it sounds mean but I have no regrets for getting this person canned.

When it comes to Debt Collector be clear, it’s you against them. The Debt Collector has no problem with destroying your life. Most of them have no conscious and I speculate that many of them are criminal sociopaths.

Debt Buyer, Debt Collector, Process Server Accused of “Sewer Service”

Eight Debtors filed a lawsuit against three companies for allegedly violating two Federal Laws; the Fair Debt Collections Practices Act (FDCPA), and the Racketeer Influenced and Corrupt Organization Act (RICO).

They are accused of a ‘massive scheme’ to fraudulently obtain default judgments. They are accused of buying Junk Debt, filing lawsuits, never serving the clients and obtaining default Judgments.

The companies accused of wrongdoing include debt buyer Leucadia National Corp., debt collections law firm Mel Harris, and process server Samserv.

Debt Collectors are not afraid to play dirty

I use the case above to illustrate that Debt Collectors are not a nice bunch of people. They will manipulate, lie and try to cheat Debtors out of a fair trail. Debt Collectors must be battled as if your livelihood depends on it.

Sure, you could complain all the way up to the President of the United States about Debt Collector Harassment. I bet you won’t get very far with that approach. Instead, I suggest you arm yourself and prepare to defend yourself.

I say, if you are being harassed by a Debt Collector, you do like I did and try to get the Debt Collector fired.

Here’s how to damage or destroy a Debt Collectors Career

When you receive another nasty call from a Debt Collector:

• Get their first and last name, employee ID and their Supervisors name. Often the collector will lie and say “I’m the manager”. If they say that request the name of the General Manager. Just get a name
• Ask to speak to a Supervisor. Tell the Supervisor that you feel that “so-in-so” may have violated your Rights and you want to file a complaint before you ‘escalate’ the matter legally
• Follow up your complaint on the phone with a letter in writing restating what you said on the phone
• Inform them on the letter that you have the option of filing the letter with the relevant State and or local authorities
• Send that letter by certified mail with a return receipt

Using this method myself, I’ve not only stopped Debt Collector Harassment, I’ve been able to get a Debt Collector fired using the methods above.

10 Critical Credit Questions To Prevent A Financial Catastrophe

Have You Ever Wondered How Healthy Or Sick Your Credits’ Health Really Is?

While working as a  Personal Financial Adviser, I realized a few striking differences between how Creditors and Credit Bureaus judge a Consumers ‘Credit Worthiness”… and how the Consumer themselves judge their Credit Worthiness.

Working as a Financial Adviser, I realized that there are 10 key credit questions that every consumer should ask themselves. These critical questions will reveal what your financial situation looks like …not only to potential creditors (Lenders) but your current creditors as well.

So What are the 10 Critical Credit Questions?

Answering that would take too long in an article post. It’s better for you to let me answer those questions in the Credit Check Up Video Series.

The Credit Check Up Video Series contains the critical questions every Consumer (Debtor) should ask themselves.

“In fact, I urge you to get your Credit Check Up…Before you attempt to do any business (like renting a place to stay, buying a car or even applying for a job).”

Knowing the answers to the questions in the Credit Check Up Video course can save you money on things like rent, car insurance, a new vehicle, a mortgage…all sorts of things. On the other hand not knowing can be catastrophic…

For example, imagine…You apply for a job that you are greatly qualified for… but they check your Credit (as more employers are doing these days) and they found that there are some things that have occurred on your credit report that give the employer some concerns?

What are those things? What can you do to get a handle on them… before you make your next move? Your Credit Check Up will inform you of the answers and help you prevent a Credit Catastrophe.

Well now you can have access to finding how sick or healthy your credit standing really is! Again, your Credit Check Up Video Series is free…there is no charge, no risk, no obligation and this is no scam. Just good answers to questions that most Consumers never even think to ask. Click here to watch the Credit Check Up Video Series.

Does Paying Off Credit Card Debt Make You A Deadbeat?

Dorothy called me and she furious because her Credit Card Account had been closed.

The account was closed because she hadn’t used it in over six months.  Dorothy was planning to use her credit card as she had always done before.

Dorothy would charge for the Holidays and pay the past due off at tax time.  She had done this for years with no problems.?

One day, Dorothy got a letter in the mail saying that “due to inactivity, her credit card account would be permanently closed”.

She was understandably in shock.  “How could they?” she asked.  “I’ve always been a good customer to them”.  Dorothy was unaware that Credit Card Management is counter-intuitive…What’s worse, because she was responsible and paid her bill off every month she was considered a “credit card deadbeat” by her credit card company. It’s a shame but it’s true.

The fact is, millions have been mislead about Credit Cards. So please don’t feel stupid if you’ve been thinking you’re doing the right things with your Cards but have had your account closed or refused additional credit.

Customers who pay on-time every month do not generate any money for the Credit Card Companies. Customers who are late paying are considered “Good Customers”….Those Customers who pay on-time are considered “Dead-Beats”.

I realize that this seems like a no-win situation…pay on time get punished…or pay late and get punished. But there is a third way. To avoid having your account closed due to inactivity, try using your card at least once every month for an expense around $10 to $20 every month. Then pay the balance off every month. This will keep some recent activity on your account and you’ll stand a better chance of keeping the account open.

Remember, credit card companies don’t offer credit hoping consumers do the right thing. In my opinion and experience, Credit card companies want you to use as much credit as possible…because the more credit you use the more money they can expect in return.

What do you think? Should people who pay their credit bills on time be punished? Leave a comment and tell me what you think.

In Treasury Plan, a Reluctant Eye Over Wall Street

The Bush administration is proposing the broadest overhaul of Wall Street regulation since the Great Depression.The fine print makes it clear that the government would do virtually nothing to regulate many of the financial products that precipitated the current crisis.

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