Budget Coach
Judy Lawrence


Are You Tired of Struggling
to Get on Top of Your Finances?

Would You Like to Put an End to Your Money Problems, Once and for All?

If You Answered "Yes!"

Then Register Now for
"How to Set Up a Budget That Works!"

 

Dear Friends:

Are you fed up with struggling and juggling your finances?

Do you live paycheck to paycheck?

Are your bills piling up?

Do you worry, fret, and even fight over money?

If you answered "yes" to any of the above questions, you need my help.

FREE TIPS!
Manage Your Money
& Get Out of Debt Now!

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Your Email Address:

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My name is Judy Lawrence, and I'm a Budget Coach and Counselor, and author of two best selling money books, "The Budget Kit: Common Cents Money Management Workbook," and "The Money Tracker: Find the CASH to Get What You REALLY Want!"

I help people every day, set up realistic and maintainable budgets.

I help people stop their money struggles, once and for all.

I show them how to set up a budget and stick to it.

And, I'd like to show you.

Starting this October, I'm going to hold a series of weekly one hour teleseminar phone calls, to teach you how to set up a budget that works.

This will be simple and easy for you to do. If you have a telephone, you simply dial a special conference line telephone number and listen in! I'm going to help you get your finances back on track, and make your life less stressful.

I'll be recording all the calls, so if you can't make the teleseminar that day, you can listen to it later, at your convenience.

My 5-part program, "How to Set Up a Budget That Works!" is designed for people who don't have the time, knowledge or experience, to create their own workable personal financial system.

You will learn how to understand your finances and manage your money, effectively and confidently.

Let's take a closer look:

Session 1:
Wednesday, October 5th
5 pm Pacific, 8 pm Eastern

Topic:
Introduction: Pulling the Pieces Together to Create an Effective Spending Plan

Knowing where to start your budget, often starts with knowing where to get the information and what to look at. On this call, we'll identify the information you'll need to assemble so you can create your budget.

What You Will Learn During the First Teleseminar Session:

  • How to outline a comprehensive and realistic spending plan for the month and for the year.

  • How to identify the unplanned expenses that seem to disrupt the whole budget.

  • How to create a plan for anticipating those expenses.

  • How to plan a system for anticipating gifts and holiday expenses.

  • How to determine how much savings you will need to manage unexpected expenses.

Session 2:
Wednesday, October 12th
5 pm Pacific, 8 pm Eastern

Topic:
How to Create a Monthly Budget that is Realistic and Maintainable

The key to creating a Monthly Budget that works is going beyond the basic fixed known bills, loans and general expenses and tuning in to the true financial picture.

What is it about your lifestyle, family or personal interests and patterns that creates "automatic pilot" or unconscious spending – the lattes, dry cleaning, CDs, organizers etc.

Are you factoring in this spending every month ahead of time – before the month begins? Are you also factoring in those periodic "surprise" expenses so they are not a surprise?

What You Will Learn during the Second Teleseminar Session:

  • How to develop a comprehensive monthly spending plan that will work.

  • How to create a system for integrating the various spending avenues (automatic deductions, checks, online bill pay, Pay Pal, debits, cash and ATMs).

  • How to review your spending style, spending habits, and attitude about spending money and explore any patterns or attitudes that hold people back and keep them from reaching their goals.

  • Why you must consider your financial goals and be sure the spending is in alignment with those goals. What adjustments may be needed?

Session 3:
Wednesday, October 19th
5 pm Pacific, 8 pm Eastern

Topic:
Outline a Debt Repayment Plan

In this session, we will discuss how much your debt is REALLY costing you. Did you know that just by adding an extra $10 to each of your minimum payments each month could ultimately save you $1000s of dollars?

What You Will Learn during the Third Teleseminar Session:

  • How to identify the most effective strategies for reducing and eliminating debt.

  • How to look at creative ideas for eliminating the use of credit cards and finding new ways to spend less and still maintain a similar lifestyle.

  • We will examine what "living debt free" actually means and how it may be different for each partner.

  • I'll provide guidelines about where to get help and not to get help for debt repayment plans.

  • We'll discuss the importance of reviewing credit reports and making any necessary corrections.

Session 4:
Wednesday, October 26th
5 pm Pacific, 8 pm Eastern

Topic:
Tracking the Spending Leaks

Even though tracking all your expenses is not a new concept, many times it's hard to understand the real value of this exercise and the discipline involved. Without having a bigger context for implementing this activity – really getting the "why" of this tracking routine, the habit soon gets dropped and discouragement sets in.

If you have a very specific reason and motivation for saving up some extra cash (like a family trip, new furniture, new car, new home) you will soon notice that by tracking your spending every day, the balance in your savings will go up, the amount you spend will go down and your lifestyle will stay the same.

What You Will Learn during the Fourth Teleseminar Session:

  • How to notice patterns and insights about your spending and the possible reasons for overspending.

  • Why manually tracking expenses in a book, versus a software or online budget program, may have the most beneficial results in the very beginning.

  • Why understanding the cost of the "lost opportunity" when comparing the amount going to a credit card balance, versus the same amount of money being applied to a savings or investment plan, is key to your plan.

Session 5:
Wednesday, November 2nd
5 pm Pacific, 8 pm Eastern

Topic: Review, Compare and Adjust - Financial Wrap-Up

One way to find out if you are getting the most out of all your budgeting efforts is to stop and regroup.

We'll discuss and review your spending. You'll compare your spending to your original plan, evaluate what changes and course corrections you feel are necessary and then make the adjustments to your new plan.

What You Will Learn during the Fifth Teleseminar Session:

  • In this final session you will review how the different systems of planning and recording all come together to provide a clearer financial picture.

  • You will take time to go over spending leaks, spending insights, overlooked expenses and unexpected expenses and challenges, and learn how to start incorporating all of the different strategies introduced.

"How to Set Up a Budget That Works!"
Will Save You Money!

Don't make the mistake of saying, "I can't afford this program."

The truth is, you can't afford NOT to register.

I will make you this guarantee: if you put the time and effort into setting up your realistic and maintainable budget, and you stick with it, your life will be a lot easier and happier, by the New Year. My budget program works.

Here's What You Get
When You Enroll In
"How to Set Up A Budget That Works!"

5 live one-hour teleseminar calls
 

Value: $250
 

MP3 recordings of 5 calls
 

Value: $125
 

Written Learning Guides for 5 calls
 

Value: $100
 

E-Budget Deluxe Kit (See below)
 

Value: $  52
 

1. The Budget Kit eBook
($18.95 value)
(the exact replica of The Budget Kit book in digital format)

2. The Budget Kit Excel Spreadsheets
($12.95 value)
(the most important forms from The Budget Kit in easy-to-use Excel format. All of the formulas are done for you, just plug your numbers in and you're done!)

3. The Money Tracker eBook
($19.95 value)
(now you can find the cash to get what you REALLY want! This handy 12-month journal gives you space to write down what you spent and how it felt. Helps you get in touch with the emotional side of your spending which often gets buried in the day-to-day stress of life
.)


30-minute private coaching session with Judy Lawrence


Value: $125


TOTAL VALUE:


 $652

This program offers tremendous value, there's no question about it.

But I know that many people, perhaps even you, aren't able to invest more than $650 in a budget program at this time, no matter how good it is.

I want you to end your money woes.

That's why I'm offering you an EARLY BIRD RATE, good until September 30th, when you take action and register, today!

Register Now at the Early Bird Rate!
You Pay Only $149!

(offer ends September 30th)

Secure Order Form

DON'T WAIT!
Act Now & Get This Extra Bonus,
Valued at $49!

The first 50 People who register will
also get 10 Budget Tip articles
filled with tips, strategies, and practical advice,
valued at $49, absolutely FREE!

Secure Order Form

What are you waiting for?

Register now for "How to Set Up a Budget That Works!" and get a grip on your finances, once and for all.

I look forward to working with you!

Judy Lawrence
Budget Coach and Counselor

PS: Register now for my 5-part program, "How to Set Up a Budget That Works!" This program is valued at $652, but you can enroll now at the Early Bird rate of only $149!

You will get 5 live teleseminars, MP3 recordings of each call, my e-Budget Deluxe Kit containing all books and budget forms, and a private consultation with me. BONUS for the first 50 to enroll: 10 Budget Tip articles filled with tips, strategies, and practical advice, valued at $49, absolutely FREE!

Register now!


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