BudgetACTion is an easy to use tool.

• Click Sign Up (IT’s FREE) Fill Out Form your information remains private.
• Enter your financial numbers. (Monthly Bills, Debts, Expenses, NET Income).
• Your DASHBOARD will show your complete household expenses.
• You will see your DEBT FREEDOM DATE and your TOTAL SAVINGS over that time
• There are two options to facilitate your path to FINANCIAL INDEPENDENCE

Our system offers a debt elimination plan that will put you on the right path to financial freedom.

Knowing how to pay off your debt isn’t always easy. We took three of the simple strategies that can help. Three common methods are “the snowflake” “the debt snowball” and the debt avalanche. Each of them has unique processes and angles that approach debt elimination with different factors.

• The debt snowflake, aim any extra money at the smallest bill first.
• The debt snowball plan prioritizes your smallest debt first no matter the interest rate.
• The debt avalanche targets debts with the highest interest rates first.

Trying to figure all of this out yourself can cause you to grow weary of the sacrifices you’re making to pay off debt, you will decide it’s not worth the effort and quit. If you do that, all the money that you were going to save won’t matter.

All savings and no play makes your budget a pain to follow. Depriving yourself of any little purchases here and there makes you more at risk to snap and drop $200 on an impulse buy. Budgeting in a little wiggle room makes it easier to spend responsibly and keeps you from feeling weighted down your obligation. Just remember to keep track of your small expenses; they add up fast.

Do you want money to save you? You must save it.

Our system offers a debt elimination plan that will put you on the right path to financial freedom.

Knowing how to pay off your debt isn’t always easy. We took three of the simple strategies that can help. Three common methods are “the snowflake” “the debt snowball” and the debt avalanche. Each of them has unique processes and angles that approach debt elimination with different factors.

The debt snowflake, aim any extra money at the smallest bill first. The debt snowball plan prioritizes your smallest debt first no matter the interest rate. The debt avalanche targets debts with the highest interest rates first.

Trying to figure all of this out yourself can cause you to grow weary of the sacrifices you’re making to pay off debt, you will decide it’s not worth the effort and quit. If you do that, all the money that you were going to save won’t matter.

All savings and no play makes your budget a pain to follow. Depriving yourself of any little purchases here and there makes you more at risk to snap and drop $200 on an impulse buy. Budgeting in a little wiggle room makes it easier to spend responsibly and keeps you from feeling weighted down your obligation. Just remember to keep track of your small expenses; they add up fast. Do you want money to save you? You must save it.

Our Debt Elimination Strategy is Fast and Efficient Start Your Debt Freedom TODAY!

I want to share something that I read by T Harv Eker. Most of us believe that we live our lives based on choice. Not usually! Even if we're really enlightened, we might make just a few choices during the average day that reflects our awareness of ourselves in the present moment. But for the most part, we're like robots, running on automatic, ruled by our past conditioning and old habits.

That's where consciousness comes in. Consciousness is observing your thoughts and actions so that you can live from true choice in the present moment rather than being run by programming from your past.

We all live from learned behavior that helps establish our consciousness to one degree or the other. Either it’s Wealth or Poverty. He went on to say the following:

By achieving consciousness, we can live from who we are today rather than who we were yesterday. In this way we can respond appropriately to situations, tapping the full range of potentials of our skills and talents, rather than inappropriately reacting to events driven by the fears and insecurities of our past.

Once you are conscious, you can see your programming for what it is: simply a recording of information you received and believed in the past, when you were too young to know any better. You can see that this conditioning is not who you are but who you learned to be. You can see that you are not to “recording” but the “recorder” you are not the “content” in the glass but the “glass” itself. You are not the software but the hardware

Living a responsible life and saving what you can = good. Starving yourself and living desperately = bad. Be realistic about your saving, both in what your target is and how you’re going to get there. Food, housing and health take up a serious chunk of your income. Set an attainable amount per month to achieve in small increments.

When you to create a good savings plan it is a road map to a better financial life. It’s important that if you create one you must follow it. Saving plans doesn’t have to be difficult, but it does require commitment. Start where you are, know how much money you can save monthly.

This next point is about when you start. I have heard many discuss whether you should wait or start now. The fact is you should have started yesterday, last week, last month, last year, you get the point.

“Time value on money” is real. In fact, most people have heard of the importance of starting early and yet they wait. It’s a rule; it’s a basic principle of finance “the time value of money.” It means that “the earlier that you start saving, the better it is for your future.”

It is all based and centered on the idea that money can earn compound interest, it is more valuable in the present rather than the future. Money has a time value because it can be invested to make more money. Thus, a dollar received in the future has lesser value than a dollar received today. Conversely, a dollar received today is more valuable than a dollar received in the future because it can be invested to make more money today.

Savings accounts can even earn interest on interest through the power of compounding. Say you put $1,000 in a savings account that earns 5% a year in compound interest. The next year you get interest on both the $1,000 and the 5% interest that you have been paid.

Saving money thrives on consistency. It can be as easy as automatically transferring a set amount from your checking account to your savings account every week. Bit by bit, $25, $30 or $50 at a time is what makes it possible. Saving is about delayed gratification. Save now to Savor the gain later. However you go about saving money, try to keep it as simple and routine as possible.

A consistent strategy for saving money mean you still need to determine where the money that you save will go. Your savings needs to be divided up between short, medium and long-term financial goals.

Create a system that allows you to set up automatic transfers every month and move the money automatically so you don’t have to remember to set it aside. The more automated you can make the saving process the more likely you are to save consistently.

Spending your savings too rapidly will put you and your future retirement income at risk. I believe that you should always consider using some conservative form of withdrawal, particularly for any money needed for essential living expenses in the future. Consider annuities: To cover your income needs, particularly your essential expenses (such as food, housing, and insurance).

It is important to think about protecting what you've saved and helping to ensure that you'll have enough income throughout your retirement future. That means thinking ahead and planning for a retirement that may last 30 years or longer.

Choosing investments such as growth-oriented investments (e.g., stocks or stock mutual funds), Treasury inflation-protected securities (TIPS), real estate securities, and commodities, may also make sense to include as a part of an age-appropriate, diversified portfolio that also reflects your risk tolerance and financial circumstances.

An investment strategy (asset mix) that seeks to balance growth potential and risk (return volatility) may be the answer. You should determine—and consistently maintain—an asset mix that reflects your investment horizon, risk tolerance, and financial situation.