It is
strongly
suggested that
you DON'T
just jump into
this system and
race to the end of
this section
and the Goals
Program
Planning Sheets
and then race
through
everything
else.
It IS
recommended
from past successful
experience that
you first
skim
through the entire
program getting
"the
feel" for
the entire
system. Then
go back and
take one
section of the
Table of
Contents on the
left at a time
before
advancing into
the potentially
even more fun sections.
Read through
the ENTIRE
section
once before
going through
it again with
more thoughtful
care using the
"funnel
approach".
As a friendly
reminder, the funnel
approach is to
begin with the
big picture in
mind (overall
concepts), then
gradually
progressing
towards more
precise
understanding
of the details
for faster
overall
successful
results.
And that is
what you are
after, isn't
it? Successful
meaningful results?
The second
reading is for
understanding
of the concepts
leading to more
precise
understanding.
Otherwise,
expect the
consequences...
Prove by
doing.
Remember that
the system has
and does work.
But YOU
have to prove
it to yourself
and the only
way to do that
is by actually
following
directions, DOING
the system as
described UNTIL
you understand
it.
Initially, just
do it.
Later, the
understanding
will come.
That is what is
meant by
"prove by
doing".
Also, that is
what some of my
clients have
told me to
stress to
would-be
successful
users of the
system.
So, please,
follow THEIR
admonition.
Follow
directions
first.
Then you will learn
WHY you did what
you did.
Your
Goals Program
Rather than
shooting from
the hip
continuing in
the confusion,
frustration,
anger,
bitterness, and
the rest of
those feelings
of emotions
of financial
uncertainty,
begin by
establishing
YOUR own values
system,
your
goals,
your
objectives,
and/or
your rewards
on why
you want to
become more
financially
successful.
The more you
can detail
these goals,
the stronger
your
seriousness and
future
success.
As an example,
rather than
saying I want a
new car, say
something
like: I
want a brand
spanking zero
miles on the
odometer new shiny
baby blue
metallic
Mercedes 560
with supple
pewter gray
leather
interior and
full luxury
sound around
stereo system
including the
CD / DVD player,
cassette,
radio...
etc. Be
specific with
details.
And the goals
MUST be
YOURS. No
one else’s.
Here is a
hidden secret
discovered a
long time ago
in my decades
plus research
on budgets and
budgeting.
Imposed upon
goals have never
worked for very
long.
They must be
YOURS and/or
your whole
families
together.
1.
Your attitude
and seriousness
are the keys
to success.
*
Mentally,
the serious
attitude should
be "Simply
because
governments,
successful
businesses
&
individuals
budget,
I should
budget, too."
Everyone
budgets to some
degree -
formally on
paper or
informally
"shooting
from the
hip".
Formal budgeting or
planning on
paper is
recommended.
When you do, it
can be used as
an excellent
financial
planning tool.
I call it a
Life Finances ... Made Simple. How
do you plan to
acquire your
income?
Spend your
income?
Acquire your
assets?
Spend your
assets?
Taking time to plan
almost always pays
off. It must
come from YOU.
*
Physically
creating a sound
and well-thought-out
planning
budget/Spending
Plan is simply
based on
individual
and/or family
values, past
experience,
current
situations,
future
expectations,
desires, and
wants.
Again, it must
be from YOU and
YOUR
desires.
*
No two
Spending Plans
are the
same.
There are too
many variables
and differences
in personal and
family values
as well as
situations.
Therefore,
there is
no such thing
as an in-correct
Spending Plan
or a bad
Spending Plan IF
it works for
the individual
and/or the
family that
established it
and it honestly
mirrors their
values and their
standards and their
input and they
are the
ones to use
it. THAT
IS
a good
Spending
Plan/budget
for them.
(The key is
that it
works... and
the
individual/household
defines the
word
"works".)
Hence, it is
YOURS and YOUR
household's.
You own it and
it shows your
seriousness for
the
"things"
that you want.
2. It
takes time
and effort
for a solid
foundation
to build upon.
*
It is
suggested that
sufficient time
initially be
set aside to do
the planning
process
completely and
properly.
The more
time devoted to
this initial
exercise, the less
time the
overall process
will take and
the more
desirable
the outcome
will be in
the long-term.
(Experience by
existing
clients using
this system now
indicates that
ONLY two
minutes a day
just before
brushing the
teeth before
going to bed at
night is all it
takes once the
initial
planning has
taken
place.
Only two
minutes a
day! Can
you handle two
minutes a
day? Less
time than it
takes to get
undressed at
night.
The key is take
the time to do
it right up
front and then
only two
minutes a day
before your
teeth get
brushed!)
Some suggest
setting aside
one whole day
for the entire
initial
process.
No more.
Most may want
to do this on a
Sunday as THE first-day-of-the-rest-of-your-financial-lives-day.
If necessary,
it may be wise
to consider
taking a day
off from
work. It
could be time
well
spent!
(As a weak
alternative...
you may also
consider
breaking the
exercise down
into two or
three parts
over several
days, evenings,
and/or a
maximum of one
week. Any more than
one week, the
question arises
on how serious
you are.
As an example
and pardon the
example but
consider the
merits of it -
if your toilet
were broken,
how much time
would it take
you to get it
fixed?
Would it take you
a week to fix
it? Isn't your life
broken without
good finances
in order?
Isn't it time to
get
serious?!?
Really serious?)
What is
recommended for
this whole
first-day-of-the-rest-of-your-life
Sunday?
- Over a two
or three hour
period, perhaps
in the morning,
each member of
the family
should do this
process by
him/herself
without any
distractions.
-
Obviously, if
you are a
single, then
you can skip
this next
comment.
Once each
member
completes their
own individual
piece, then
everyone in the
household
should get
together and
complete a
"Master
plan" for
the whole
family, perhaps
in the
afternoon.
- Once a
workable plan
has been
created, you
may want to celebrate
with a meal out
in the
evening.
(Hence an
"all-day"
affair.)
*
This one
day devoted to
your finances
may well
be worth the
one full day
off from work
even if there
is NO
PAY!!!
You may want to
consider the
importance of
this exercise
like preparing
your annual
taxes, yet with
more pleasant
results.
Perhaps as a
result of this
day’s
activities,
you may
realize:
1.)
hundreds if not
multiple thousands of
dollars in
increased
annual savings
2.)
more goals
achieved faster
with less
"friction"
3.)
better financial
understanding
and appreciation
of how
things are
inter-related
4.) a
much closer
family
relationship...
and happier...
5.)
much more
peace
of mind
knowing
there IS more
money than
month left.
good
or
continue with a
Top
of the page
Please
3.
Mentally
understanding
what is
behind
your
"finances"
is the first
super key
step
to financial
wisdom
and
future financial
liberty
and financial
freedom.
*
Some
questions
you may want to
ask yourself:
- What are
my values?
What is
important to me
in all 7 areas
of living
(Spiritual,
Family or
Social or
Relationships,
Educational or
Personal
Growth,
Physical or
Exercise,
Recreational
and
Miscellaneous,
Professional
and Income
Related,
and Material or
Possessions or
Accomplishments)?
Consider each
with the
following time
frames in mind:
- short
term (3
to 6 months to
under 1 year)?
-
intermediate
term (1
year to 5
years)?
- long
term (5
to 10, 15, 20,
30, etc.
years)?
- Please
remember that a
Spending Plan
(budget) will
not work well
unless the
person(s)
involved in
creating it or
that helped
create it ...
created it
honestly
with good
information.
Also remember,
there are no
right nor wrong
answers.
They MUST
reflect YOU
and YOUR
interests.
- What are
my
goals, my objectives
in all financial
areas of living
(Direction
&
Planning,
Current
Position,
Debt
Management,
Risk
Management,
Funding for
"toys"
and/or other
issues,
Tax
Management,
Retirement
and/or
Long-Term
Care,
Estate Planning
&
Charitable
Giving,
Investments
&
Other)?
As you did for
your values
program,
consider the
following time
frames for each
goal:
- short
term (3
to 6 months to
under 1 year)?
-
intermediate
term (1
year to 5
years)?
- long
term (5
to 10, 15, 20,
30, etc.
years)?
- What is it
that I
want from
this Spending
Plan
exercise?
How does that
relate to
my
goals, my
objectives
and my
values in each
of my
areas of
living?
Treat each
individual area
in and by
itself prior to
considering how
it may relate
to the other
areas.
- Can
I
make a decision
about
choices?
Am I or how
willing am I to
sacrifice
or to be
flexible to
achieve my
desires?
A successful
Spending Plan
sometimes
requires
choices between
two goals or
values. Only
those involved
in the actual
spending can
determine those
choices and
values that WILL
need to be made
and therefore
that will
result in a
successful Cash
Flow Spending
Plan.
Others may
provide input,
but ONLY those
directly
involved MUST
make the
decisions and
choices!
YOU must make
all decisions
remaining
totally in
control. This is a
secret few
realize and
even fewer
understand.
*
Your
personal answers
to these and
other goal and
objective-seeking
and value-oriented
questions are your
potential
benefits!
These benefits
to YOU will be
the reasons you’ll
need to be
successful in
budgeting.
The more you
WANT these
benefits, the
greater your
success
should result
from your
efforts.
"Care
enough for a
result and you
most certainly
will achieve
it."
William James
said that.
The next
link is to some
aids to help you
crystallize
your thinking
and write
out your
thoughts and
emotions
concerning your
values and your
financial
quests.
Again, consider
these over at
least two or
three
UNdisturbed
hours.
But first, one
additional
concept towards
success.
Top
of the page
Please
7
Laws of Success*
One
concept towards
success:
1. Fix
the right goal
-
(Completing
this exercise
may assist you
in
crystallizing
your goal
setting
providing you
with a roadmap
to achieve your
objectives.)
2.
Education or
preparation -
(Learning
to understand
the whys behind
your decisions
as your
financial
foundation
progresses
forward may
give you more
rapid peace of mind.)
3.
Good health -
(Isn’t
it time to
reduce the
stress in your
financial life
while having
increased fun
improving the
quality of life
with your
family?
Learn what
causes good
health... and
... sickness or
poor health.)
4.
Drive, doing,
accomplishment
-
(Are
you serious or
just wishing?)
5.
Resourcefulness
-
(Finances
affects all
areas of
life.
Possibly consider using
cost-effective
professionals
and free
resources while you
retain making
all the
decisions in
your quest for
sound
finances. A
super word of caution
as many professionals
no longer really put
their clients first,
unfortunately.)
6.
Perseverance or
stick-to-itiveness
-
(Regardless
of income,
assets, debts
and/or credit
status, most
new Referrals
and Clients
will experience
distracting
events sooner
or later.
Plan for them
with
determination
addressing
them in
advance
with flexible
alternate plans
to continue in
your progress.)
7.
Contact with,
guidance and
help from the
correct source
-
(This
system can’t
replace THE
Master, but it
might be able
to help you
help yourself
in many ways.)
*
Adapted from a
booklet with
the same title
by Mr. Herbert
W. Armstrong,
who went from
28 years of
dire poverty to an income
in excess of
$200 million
annually
before he died
in 1986.
To have and
read the
complete
booklet, go here
to obtain your
own FREE copy
or read it online.
Top
of the page
Please
Next
SUPER
Key Assignment:
1.)
Each person
should make a
complete set of
the following 6 sheets
completing them
for their own
values,
goals and objectives
determination.
For the
financial
perspectives,
you may want to
keep in
mind "What
Is Financial
Planning?"
located in Section
1 Welcome
or by clicking
here.
Goals
Program
Planning Sheets
2.)
Once
individually achieved,
the entire
household
should get TOGETHER
re-doing the
exercise TOGETHER
completing a
NEW all-inclusive
set of 6 sheets
as a Master
Household plan.
3.)
Once
these are
achieved,
congratulations
are in
order.
And a SUPER
SUPER
congratulations
you
deserve.
Going through
this exercise
puts you in an
extremely fine
minority of
achievers no
matter what
your current
status is at
the
moment. A
major first
step you have
taken.
Major.
Now, you are
ready to start
another fun
process.
Top
of the page
Please
FREE
GIFT
TO YOU
Now please
allow me to
give you more
than what you
expected.
If you had not
gone through
this program
then you would
not have known
about these
next FREE items.
They are
freebies to
you. It
DOES pay to
complete things
once started.
Paraphrasing a
saying many
know of,
"Count the
cost before
beginning and
then begin if
you have what
it takes to see
it
through.
Put your whole
life into it
and it will pay
you back big
time."
Please enjoy
these
additional
unexpected
gifts towards
your goals in
life because
you followed
that principle.
Other
Unexpected
Extras
One
final comment for you
to ponder before you
proceed to the next
step. As
Winston Churchill
used to say, "IF
ONLY... if only
you would listen to
what I say, you can
be the most blessed
people on this
earth."
Your future rests in
your hands whether
YOU will LISTEN
to this
program... It
truly is upto
YOU. Remember,
it has worked for
others as they LISTENED
to the system.
Will you listen?
Top
of the page
Please
