Take Control of YOUR Money
Discover How To Get Rid Of Your Bad Spending Habits Forever...
If you suffer from continually running out of money at the end of each month… if you are relying on credit cards to get you through to the next pay day… if you are laying awake at night worried about where the money will come from for the bills that are now overdue... or you are simply frustrated with never getting ahead, feeling stuck in the financial mud… then this message is just for you. Here’s why…
you can now learn how to change the way you manage your money, supported through a system that gives you back control of your money and your life..
And you need to realise, there is a cost to not dealing with this…
If You Ignore It, It Just Gets Worse!
What most people do when facing a lack of money is either ignore it hoping 'something' will change. This usually leads to continued spending on the credit cards and higher debt.
Or they might try a 'crash' spending diet they call a budget. These budgets are usually unrealistic and doomed for failure.
  • Ignoring The problem won't make it go away
  • Piling On the credit card debt just kicks the can down the road to the inevitable debt smash
  • Someone Else Controlling your spending is a short term fix at best or at worst, an expensive long term band-aid
  •  Blaming Other people or the 'universe' at large just takes you into a negativity spiral, leaving you feel powerless
And what happens when you just do nothing? When you just keep doing what you’ve been doing? The problem just keeps building. When people ask, you mutter something about a bad economy or you put on your best poker face with a smile and say “I’m Fine…”.
Fix Your Spending Problem
I’ve got an answer that works. Here’s the story: I was in the same situation, spending more than I earned. Each month I would keep telling myself that next month the bills would be less, I would be able to catch up and start to get ahead. Of course, that didn’t happen. There was always a bill that I forgot was coming or even if I did get ahead a little, I would chase the next shiny object and spend, spend, spend.

At the end of each year when I got around to doing my taxes I would see how much I earned in bold numbers and then look at what I had to show for it, which was usually not much. At best I was the same as last year, at worst I was going backward.

  I then came across a simple system to manage my money using a few different accounts to separate and control my spending. This was great as it allowed me to easily see when I was over spending in an area like groceries or bills. Once the account was empty, I had to stop spending!

This was a good step forward but I was still trying to do this with an old-style budget spreadsheet that was complicated, hard to update and time consuming. It wasn’t until I was introduced to the concept of a Spending Plan and the Spending Planner software that things really changed for me.

Think of a budget as trying to drive a car down a road while you are looking in the rear-view mirror. You look at what you spent last year, divide by 12 and that’s what you should need each month, right?


We all know it never works out like that!

A Spending Plan is like looking through the front window of the car, showing exactly what is coming up and how much I need in the account on any given day to cover all my bills and expenses.

Finally! I had a clear view of where I was, and where I was going with the tools to get me there.
It Worked For Me, And It Will Work For You!
Here's What a Spending Plan Did for Me
  • Clearly see where I was Spending allowing me to make my own decisions to change…
  • Show how much I need in my accounts each week to cover all my expenses today and for the coming year...
  • Stopped relying on credit cards...
  • Achieved my savings goals and continue to set new ones...
And it’s not just me. Many other people successfully use this system to help them get control of their spending and achieve their financial goals.
Finally! It's Your Turn
When you join with Spend Coach today, you’ll get access to a fully supported system that will teach you how to manage your money in a way that gives you the freedom to achieve your financial goals, giving you…
  • A Money Management System That Works
  •  Personal guidance setting up your own spending plan
  •  6 Months support and accountability to help your new habits stick and help you set and follow through on your goals
  •  Access to the Spending Planner cloud based software, accessible from your browser anywhere, anytime you have internet access
And you are 100% safe to try this out. That’s all I’m suggesting. Just try it for 6 months to see if it works for you. If it does, you’ll be delighted and finally getting ahead - and I think that’s exactly what’s about to happen. If for some reason, you’re not delighted with the program after having followed the coaching and you have not made a measurable improvement to your financial situation, then just let me know - and you get all your money back, we’ll still be friends, no hard feelings.
We are yet to have this happen, by the way.
Its Decision Time!
You have a choice to make: Do what you’ve been doing (or worse, do nothing at all). You know where that will lead. Is that really where you want to go?
Take a new action, and get a new result. Finally get A proven system with the support you need to succeed in achieving your financial goals.
Which do you really want for yourself?
Here’s what to do now…
Phillip Hawes

P.S. : You can rest assured that we at Spend Coach are not aligned with debt consolidators or other 'do it for you' services. We will not be selling you other financial products, insurance, investment or loan products, while taking a cut on the side...
We do one thing and we do it well, give you the power and knowledge to get yourself out of the financial mud so you have the opportunity to realise your goals.

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