Help Fix My Finances

WANT TO REGAIN CONTROL OF YOUR FINANCES?

DOES BANKRUPTCY FEEL LIKE
YOUR ONLY OPTION?

THINK AGAIN!

Dear Reader

If you are like most North Americans, then you:

If you carry this much debt, you have probably attempted to pay it off. You probably built a Budget and tried your hardest to stick to it. You probably read books on budgeting and debt repayment and how to lead a "rich" life.

But something happened. It always does.

The repayment plan didn't work, the Budget didn't work, and accumulating any type of wealth got decimated with some sort of unexpected expense.

The fact is, most financial plans simply do not work and Help Fix My Finances not only tells you why, and it doesn't just show you how to make a plan... it shows you how to make yours work!

If your last failed financial plan sounded like a good idea at first but ended up being a "dud," don't sweat it. This has nothing to do with you, your resolve, or your ability to improve your finances. If anything, it has more to do with the process.

That's right, the process failed you.

You deserve to fix your finances. You deserve a debt-free lifestyle. You deserve a clean credit rating untarnished by late payments or bankruptcy.

Most importantly: You deserve to sleep better at night and to live without the stress of tremendous debt hanging over your shoulders. And that is where Help Fix My Finances can help. Our system does exactly what its name promises. We help you get out of debt and help you to start saving (smartly) without having to give up 100% of your lifestyle. We don't speak "down" to you... because we have all been there!

Won't Bankruptcy Fix My Debt Problem?

If you have been led to believe that Bankruptcy is your best option, you were lied to which is why more tan 99.5% of Americans avoid this option at all costs.

In fact, you had better think long and hard about resorting to Chapter 7 or Chapter 13 (and if you are Canadian, be leery of consumer proposals and bankruptcy). They might seem like tangible solutions now, but get your facts straight before you take a meeting with a Trustee.

And we're not just talking about damage to your credit report, either. Bankruptcy can cost you more in other areas of your life, and many of these areas aren't even finance-related!

If you have the means to repay our debt, even if it is over a 5, 6, or even 7 year time span, you will probably want to avoid the emotional and financial struggles that set in within monst after a Bankruptcy discharge.

Do yourself a favor and get your copy of our own +25-page "Report: Is Bankruptcy The Best Option?" at no cost when you complete the form below. We will deliver your copy straight to your Inbox within minutes.

	Carry balances on thirteen different credit cards
	Have student loans and/or large line of credit balances
	Owe an average of $22,100 on your unsecured debt

Help Fix My Finances works because our textbook doesn't just preach tactics and theories. Since we once carried a tremendous amount of debt and struggled through periods of bad credit, we know what it takes to succeed at achieving and living a clean, debt-free lifestyle.

Plus, Help Fix My Finances doesn't just preach. With the help of our Workbook, the Members Only Toolbox and Resources will either do all of the hard work for you, or show you how to come to financial conclusions yourself.

Plus, we have hands-on experience in this area.

We know why your past plans have failed because ours failed us too.

We know what it takes to repay debt without giving up everything enjoyable in life because we repaid ours without sacrificing everything.

We know how to create a successful plan and how to see it through to the end because what worked for us and, more importantly our clients will work for you, too.

We dispel the myths surrounding personal finances by giving you straight answers and honest truths.

Let's take a look at some of the most popular myths and objections out there right now, and the truthful answers that you will get from our materials:

Why does THIS plan work when all of the others have failed?

	I can't afford to pay more toward my debt. >> You can always pay more. As humans, we have a way of celebrating small victories like annual raises, reduced payments, tax refunds, etc. even before we receive them. Instead of spending more than what we have, we can use at least part of these funds to invest or repay our debt, while using the remainder to "celebrate." By taking a reasonable and responsible approach now, we can enjoy all of our victories later, not just the small ones.
	I just don't have the brain-power to complete a budget and stick to it - I work sixty hours per week, the last thing I want to do is think about things like personal finances after work. >> Okay, nobody can turn creating a budget into a fun and exciting affair. However, it doesn't need to be difficult or exhausting... and it shouldn't be. With Help Fix My Finances, we walk you through the process. The hardest part for you? Transposing data from typical bank statements to our programs, which will churn out a full financial plan.
	Don't I have a Banker for these things? I can't be in that much trouble when, just last year, they bumped by credit limit by 50%. >> Bankers work for banks (trust us, we worked there too!) and banks make money by managing assets (e.g. investments) and loaning out money at a profit (e.g. credit cards). So long as you don't present a credit risk, your credit will always get bumped up in the hopes that you will use it and not be able to repay it. The longer you carry a balance, the more money you willingly pay your bank. It's like an undeserved "tip" for your banker. Repaying your debt, you will find that your credit will continue getting extended because they want you to pay them... not yourself.
	Everyone says I should save as much as possible now so I can enjoy the power of compounding. Why does Help Fix My Finances advocate paying off my debt? What gives? >> The power of compounding can certainly allow exponential growth over the long term... IF you have the funds to chase such an investment strategy. In other words, if you have trouble paying your bills, you would not invest $2,000 per month simply for the sake of future compounded growth. You might be better served in the long-term by paying off all of your debt and using the funds previously allocated to debt to invest more heavily. We illustrate this in great detail in our Textbook.
	I heard that if you have no credit, you have no credit score. And with no credit score, you can't even get the credit you need, like a mortgage. >> Credit is a necessary part of personal finance. Excessive credit is not. The key to earning and maintaining a good credit rating lies in your ability to manage credit. Maxing out your credit cards and making your minimum payments late, even by a few weeks and even if you always pay more than the minimum, actually damages your credit rating. Paying your credit on a monthly basis earns you way more points than carrying large balances that you have trouble repaying.
	I'm still young, I have a lot of time to pay off my debt. For now, I�ll just get by with my minimum payments. >> Carrying balances on your credit cards is like reverse compounding. Even if you are paying the interest, the money you spend would be better served in an investment account. Paying off your unsecured debt while you are young allows you to enjoy a more lucrative lifestyle, both during your youth and in retirement. Imagine how much more difficult it will be when you are "older" to pay off your debt and start saving. How will you choose?
	I tried paying off my debt before, but I swear it just won't go away. So I started playing the lottery instead. >> While we would all enjoy having some lottery winnings to wipe out all of our debt, it's not likely that such a wait-and-see-if-I-win approach will ever happen, let alone answer our financial problems. If we want to get rid of our debt, we need to do something about it. And that is where Help Fix My Finances will help.

Remember: BUDGETS DON'T WORK!

	Budgets are nothing more than numbers on a page. They don't control how you spend (you control your spending), they simply report how you spent in the past
	Forward-looking budgets are often too aggressive, too unrealistic, and unsustainable.
	Budgets are inflexible. What normally happens after you come up with a plan and commit to it? Naturally some major expense magically pops up. And then the budget is invalidated, even though the long-term potential of that plan might have not been impacted at all.
	Budgets do not coach you along the way. Even if you manage to stick to a budget and plan on repaying $22,500 in debt after, say 3 years, what happens at the end of six grueling months of sacrifice and you happen to look at your bills? Well, you see that almost none of your debt really disappeared. Help Fix My Finances keeps you on track by measuring your progress in ways that makes sense - visually as well as numerically.

For the average North American, that means increasing cash flow between roughly $450 and $660 every month. That means holding onto approximately $1,575 in interest costs every year! (If that doesn't sound like much, imagine what this means after five years... ten years even).

How would you spend that extra $450 to $660 every month?

It could mean borrowing upwards of $75,000 toward a home purchase.

It might mean putting $5,400 away every year for retirement (and getting that power of compounding working for you, not against you!).

More importantly, a debt-free lifestyle means sleeping better at night, not worrying and arguing over financial matters, not having to worry about nasty calls from creditors, and more.

If nothing else, understand that people with little or no debt live much better lifestyles because they do not stress the same way debt-heavy folks do.

Help Fix My Finances will help you:

Imagine a Debt-Free Lifestyle...

	Understand where your money goes
	Decide *how* and *how much* to save while you repay your debt
	Determine how long it will take to realistically repay your debt
	Find practical ways to improve your cash flow
	Figure out a way to *not* sacrifice your lifestyle and life merely for the sake of repaying your debt in as little time as possible
	Come up with an achievable and measurable plan to eliminate all of your debt and debt problems
	Devise a paycheck-by-paycheck strategy so that you know how much you can spend on lifestyle expenses between pay periods.
	Understand and appreciate what your after-tax cash dilution rate is and why it is important to pay yourself instead of your creditors.
	Calculate how much money you will *truly* need in retirement and show you how you can go about saving it
	Help you write your own, unique wealth blueprint and show you how you can build and maintain your wealth so that you can enjoy your lifestyle now without sacrificing your future lifestyle in retirement

Still not convinced?

Before you invest in our comprehensive program, take a look at how long it will take you to repay all of your unsecured debt now, without Help Fix My Finances.

For fun, guess how long it will take before you press the "Calculate" button.

How Long Will it Take to Repay my debt?

All of It, RIGHT HERE
... in this complete package!

By ordering now, you will pay just $47 for our full package. Please note that your bill will show a charge from CLICKBANK*COM (see the bottom of the page for full details).

If this amount frightens you, keep in mind that we haven't even looked at fine-tuning your existing plan. Nor does this figure take an accurate, weighted interest rate into account, nor have we completed an accurate Budget and Repayment Plan. Besides, even if our Calculator suggests that it will take many years to repay your debt, understanding the type of commitment you need to make is the first step in taking back control of your finances.

Now, let's take it a step further with Help Fix My Finances and see how we can either minimize the amount of time or reduce the financial commitment by cutting more corners! (And you thought the topic of personal finance was boring!?).

One of the things you will decide with the help of our worksheets is whether this amount makes financial sense. If it doesn't, you can reduce the payments and see how long it will take. As well, Help Fix My Finances will help you find ways to realistically repay as much as you possibly can.

Of course, if you feel comfortable with the amount of time and the financial commitment needed to achieve full repayment... that's great! You might even want to consider increasing the payments. With Help Fix My Finances, we show you exactly how long it will take to repay, using amounts that you decide are appropriate

Signing up for Help My Fix Finances entitles you to the following:

The Help Fix My Finances literature, consisting of a 130-page textbook and a 40-page Workbook that helps you walk through all of the processes necessary to achieve a debt-free lifestyle. The textbook will help you understand how you think about personal finances (don't worry, it's quite normal) and the process we all need to take in order to change. The workbook helps you evaluate the important aspects of personal finance as it relates to your specific situation.

Note: books are delivered in PDF format. (If you do not have Adobe Reader, we provide you with a link to obtain this free tool).

Our interactive Budget and
Repayment Plan software. These tools will not only make the personal finance process simpler (we would venture to use the word "painless" but hey, you still have to find a typical bank
statement!), but will write out all of
the planning for you. In the end, you
will have your own personalized
plan... a plan that works!

Note: These Programs are availabe through our Members Only website. An internet connection is required.

The Help Fix My Finances Toolbox,
consisting of downloadable financial
worksheets. These include an average
interest rate calculator, cash dilution
rate, future savings tools, and much
more!

Note: The Worksheets are in Microsoft Excel format. You can obtain a viewer for free at the Microsoft website (we provide a link for your convenience).

Full Membership for Life to the Member�s Only website. No monthly membership fees (it's against the principles we preach). Your membership includes full and complete updates to Program literature, our comprehensive software, and the Toolbox... for Life!

How Much Does ALL of this Cost?

When you consider how much the average American, with 13 different credit cards with an average of $22,100 in debt will save after successfully implementing our system, our one-time cost of ~~$147~~ ~~$99~~ $47 is not only cheap, but it sets us apart from any other literature and financial planning program out there.

Plus, we don't push product, we don't recommend this credit card or that loan company, nor do we refer you to any investment schemes or "professional" brokers. We are here to see you succeed in paying off your debt. That, and nothing else, is our sole focus; what you see here is what you get.

Our 100% Money Back Guarantee

If fact, your success is so important to us that if you are not convinced within 60 days that our program is THE real deal, we will reimburse your full $47. All we ask is that you take Action using the simple tools provided by our program.

If you want to take back control of your finances and start seeing how easily you can enjoy the benefits of a debt-free lifestyle, the Help Fix My Finances Program is right for you!

Get Immediate Access!

All of our material is delivered digitally. This will allow you immediate access to the materials you need to get started right away. In addition, you will have immediate access to the Members Only website.

By ordering our product, you will be billed $47 by CLICKBANK*COM. Founded in 1998, ClickBank is the online retail outlet for over 12,000 digital product vendors and their more than 100,000 active affiliates.

ClickBank makes a sale somewhere in the world every three seconds. Clickbank serves over 200 countries, and are consistently ranked as one of the most highly trafficked sites on the web. Your purchase is not only safe, but is distributed by experts in digital format delivery. To learn more about ClickBank, please visit their website.

Please be sure to read all data on your order receipt... better yet, print it or save it. You will need your receipt number and our system-generated passcode in order to set up your profile on our Members Only website.

Still have questions? Contact us at support@helpfixmyfinances.com