5 Steps to Creating a BUDGET.

Setting up a budget is basically an easy 5 step process:

1. Find out your monthly take-home pay.
2. Find out what your expenses are.
3. Find out how much you spend on each expense.
4. See if your monthly expenses match monthly take-home pay.
5. Balance your budget. This means in your family budget you need to ensure that what you are spending matches your take-home pay.  It might indicate that you have to cut back on spending to make things balance.

Find out how much you need to cut from your expenses, decide you can make cuts in your expenses and be detailed, and then re-balance your income and expenses after you've made these cuts. It is extremely important to remain realistic and not form a budget that, in reality, you cannot live with.

Best Bugeting Tips:

Probably the most significant aspect of family budgeting is that it clearly shows us where the money actually goes, as opposed to where we think it does or should go. Two very different things!  Once some time and energy are expended in researching these issues, it becomes quite clear that most families are caught in a vicious, almost never-ending cycle of “What comes in must go out.”

The initial realization of the amounts (usually larger than we think!) involved on incidental, discretionary and impulse buying is an eye-opener for most and ends up saving families all kinds of money they never knew they had. Just bringing that into our awareness causes our conscious mind to tend to put a stop to unnecessary expenditure.

No.1 Bugeting tip: buy a small notepad and jot down every cent spent on a daily basis......yes, every single cent spent by every member of the family. Do this for 30 days and you will be amazed at learning where your money goes.

The Importance of Mindset in Debt Management Solutions.

Why is it that some people who experience financial hardship are able to persist through the bad times and find a debt management solution and regain their holdings, while others can't seem to move beyond their misfortune? Unfortunately, far too many of us believe that we will never rise from the smouldering remains of our financial mistakes. As a result, those who have fallen on hard times think they are destined to remain in their current situation.
Each one of us has the potential to live a life of prosperity. It is just a matter of finding the debt management solution that not only helps you with the practical steps to be taken, but also assists you in changing your mindset around money. In simple terms, it is absolutely possible to transform your financial life by changing your mindset and living in harmony with the laws of the universe.This usually means starting a process of change.

The very first things we must do is get rid of old memories, habits and other baggage from the past. Only freed from past burdens can we take advantage of the present and make room for the good in our lives. In other words, you have to let go of something in order to get what you want. It's like climbing a ladder; you have to get off the bottom step in order to get to the top.

The next most important step in accomplishing a long term debt management solution is to make sure that we feel worthy and deserving of success. If not, we have to focus on being worthy and to welcoming success into our lives. This can be quite a difficult task as old paradigms are so familiar to us and old habits are hard to release. Remember that it takes at least 30 days to form a new habit, so be focused.
Our potential is unlimited! Just think of the enormous goals that people have achieved against all odds. Normally we stop ourselves through our limiting beliefs about our potential and what is possible for us. Positive thoughts mixed with emotions - desire and high expectations - create a magnetic field around us, pulling towards us the resources, people and opportunities needed to achieve our goal of a successful debt management solution. This is why it is so important for us to be emotionally involved in our goals.

All of this can be quite scary and each time we hit the fear barrier, we have to remind ourselves to focus on where we are going and what we really want. This means removing the focus from what is going wrong to focusing on what is wanting to be accomplished. So often, we find ourselves distracted by things that do not move us along in the direction of our goal. This is a learned behaviour which can be changed by constantly asking ourselves the question; Is what I am currently doing, the most productive action to move me towards what I am wanting to achieve?

We also have to change our perspective on the word "fear"; otherwise we become whatever we fear. This happens because our predominant thoughts create our current lives. In other words, we become whatever we allow ourselves to mentally dwell upon. But we all need to conquer fear to really start living the lives we want to live - the lives we deserve! A truly successful debt management solution will not only take care of the practicalities, but also help you to change your current mindset to one of prosperity and abundance.

FREE F.L.I.G.H.T Plan Program Teleseminar

Is long-term debt crippling your dreams?

Are increasing interest rates making you feel like you’ll be debt forever?

Are your finances sometimes in such a mess that you’re scared to look at your bank balance?

That’s a scary and stressful place to be.

But here’s the good news: you don’t need to live like this - there is a better (and happier!) way. And best of all, your first step is completely FREE.

We have experienced all of this – probably even worse, because we’d lost EVERYTHING.

That’s right - we experienced Total Financial Meltdown. And it came at the worst time – in our late 50’s - an age when we were supposed to be planning for our retirement. Bewildered and in shock, we were struggling to put food on the table. We’d hit financial rock bottom.

However, in less than two years, we turned it all around and now have re-entered the investment market with our capital fully protected. Sound like a miracle? Not at all, just a simple, easy-to-learn, step-by-step process that we’re now ready to share with the world.

FREE Teleseminar – The F.L.I.G.H.T Plan Program

Tuesday 4^th May, 7.30 – 8.30pm Aust EST 

Get your finances back on track…

We know exactly how it feels to be completely broke and worse – owing thousands of dollars to credit card companies. That’s why we offer our popular FREE (live) Teleseminars so that you can get started on the road to recovery today.

The F.L.I.G.H.T Plan Program will not only transform your finances, it will also transform your life. It has given us the initial small steps that have allowed us to rebuild our future. Thank you, Bill and Geraldine, for sharing your real life story with us in such an open and honest manner.

- Maria and Perry J., Diamond Creek, Vic. Read more testimonials here

Register for your FREE One Hour Teleseminar now.

FREE One-Hour F.L.I.G.H.T Plan Program Live Teleseminar

In this one hour, obligation-free, intensive live teleseminar, you’ll get lots of free information about how to turn your situation around today – straight from two people who lived to tell the tale! You’ll also get the opportunity to ask questions of Geraldine and Bill Teggelove directly. We want to help YOU to move from where you are now, to where you want to be – a more financially secure future, and happier life. Register for your FREE One Hour Teleseminar now.

What’s the catch?

There is none. We give these seminars for FREE because our passion is to share what we’ve learnt, much of it very practical information, including hints and tips, which will empower you to take back control of your finances and move quickly towards success and prosperity. We do this because in the end your success is our success, and we truly believe in an abundance mindset in that what goes around, comes around.

What will I learn?

The F.L.I.G.H.T Plan Program will help you not only recover and flourish from a financial meltdown, but also to increase wealth and prosperity in your life. You’ll learn plenty of practical skills, including how to:

Ö       Reduce expenses, increase income and improve cash-flow.

Ö       Think about money the way millionaires do.

Ö       Devise a solid financial foundation.

Ö       Find a support system to encourage and motivate you.

Ö       Keep a good credit rating.

Ö       Make money from what’s already in your home.

Ö       Access successful business projects for as little as $100 – or even less.

Register for your FREE One Hour Teleseminar now.

Feel free to forward this to a friend if you think it would be of value to them.

Wishing you abundance and prosperity,

Geraldine and Bill Teggelove.

For more information about the F.L.I.G.H.T Plan Program or the Beyond Broke book, contact us on This e-mail address is being protected from spambots. You need JavaScript enabled to view it , or call +61 (0)3 9842 6774.

Your Support is Vital

An update on the bestseller campaign for our new book, Beyond Broke: Recover and Flourish from Financial Meltdown. This book contains vital information that is in strong demand as evidenced by the increasing number of books being ordered each day. We feel this book touches people because we wrote it from our own personal experience of recovering from financial disaster so we know what it’s like to rebuild your life from nothing.

We started this campaign only yesterday and the book zoomed right to the #1 spot in the Budgeting and Money Management category on Amazon.com. A great big THANKS to all that joined in to reach this goal. Don’t miss your chance to get a copy and learn vital techniques to ensure your financial security! You can participate in this exciting opportunity by purchasing one of our books on Amazon.com and then forwarding this email to anyone that you feel might also benefit. Buy the book HERE.

Our bonus for today comes from Barbara Hayward. Barbara has been a Prosperity and Abundance Coach for over 20 years, including hosting her own radio show in New Zealand for 3 years and acting as a Spiritual Advisor to all of her many listeners. Barbara has also been teaching her, “Be Realistic...Expect a Miracle” workshops and seminars for many of those years and is now offering you, at no cost, a fantastic 7 Day e-Course that usually sells for $125!

This e-Course is designed to enhance your future results, Mentally, Physically, Spiritually, Emotionally and Financially. It will give you the confidence to take the action needed to create the results you want, and in the process, assist in helping you to achieve the success you desire.

To get this wonderful FREE bonus, act today and purchase your copy of our book, Beyond Broke. Buy the book HERE.  We will forward you the link to get this wonderful life changing bonus at no charge – a $125 value. Don’t wait to change your life, or your family’s lives for the better!

Remember, once you have made your purchase, send us the order number by CLICKING HERE and we will send you the link to Barbara’s fantastic bonus.

Thank You for Your Support!

Bill & Geraldine Teggelove

Australian purchasers: When ordering online with Amazon.com, you will observe that Amazon gives a delivery date approximately 7 weeks from ordering. Amazon now do print on demand and, in reality, our book has been delivered in just over 2 weeks.