What Readers are Saying ...
People often spend a lot of energy worrying about their finances. Without some type of constructive plan these worries stay as just that -- a worry -- constantly draining mental energy.
Often something as simple as using my work sheets can be the difference between financial chaos and financial control with peace of mind. And best of all, my clients feel totally motivated by their ability to take control of the situation.
Here is just a sampling of the exceedingly positive feedback I've received from my readers:
- No More Fear
- Successful Savings
- Taking Control
- Writing It All Down
- Where the Money Goes
- Help with the IRS
- Speedy Bank Loans
- Needs & Wants
- Help with Budgets
NO MORE FEAR
"I'm never
broke anymore!" my 73 year old client announced
to me recently.
- R.S.
"This workbook took some of the fear out of money for me. By setting up an amount I knew we could spend in an area I didn't feel so bad then when I was spending that money. I knew it was planned and okay. Before I was always in fear or guilt over everything I spent."
- H.D.
SUCCESSFUL SAVINGS
"Once Jan started tracking her spending and learned how to work out a budget it made a "million percent" difference in her life. She practiced the "pay yourself first" technique, considered her savings a bill, successfully saved $15,000 in one year and bought her house."
- G.D.
"When I started keeping records it was like an awakening. In seven years I saved $100,000 thanks to your book. By the end of this year which will be just over nine years, that number should be close to a quarter of a million."
- G.S. (NY)
"One family decided to cut back and save up for a car. In two and a half years time this family of 4 with two young children saved up $18,000."
- P.W. (OH)
"Ann finally quit smoking as she wanted to do for so long and saved the $80 a month it was costing her and took a vacation the end of that year."
- L.S. (PA)
TAKING CONTROL
"My wife and I have been working on your book, "The Budget Kit - The Common Cents Money Management Workbook" with several goals focused on retirement and being debt-free in the next 5 years! We are 50 & 47 respectively, and have been making great strides toward these goals, and would appreciate having the use of the Excel worksheets to further our objective. Thank you for your clear, step by step outline." - T.B. Whenever he did not spend money (i.e., walk versus taxi, video versus movie, library versus bookstore) he would actually put that savings aside and record it in his book."
- G.S. (NY)
WRITING IT ALL DOWN: MONTHLY EXPENSE RECORD
"I would be lost without my workbook. It's my bible."
- L.S. (PA)
"As a student I used to carry my workbook with me every day in my pack. For anyone not used to figures this workbook is an easy way to start. When I wrote things down every day it made me think "Do I really need this?", "Where could I save?". "Is there something I'd rather spend my money on?" Writing everything down and seeing the total picture clearly gave me those answers and a real incentive to change."
- L.S. (CA)
"In two years time we went from $16,000 debt to $2000 (vehicles) and saved over $10,000. It took facing the numbers in the workbook, seeing what we spent every day, realizing how much money was going to finance charges and getting out of our denial about debt."
- R.L.
"I was shocked into action when I worked out my budget on the Monthly Budget Work sheet and realized I was $1000 short. Now after four years all our bills are paid in full and we are completely out of debt. Without putting information down on paper every month, I don't think I could have done it."
- K.H.
"Keeping records with this workbook stopped the finger pointing with my husband."
- A.H. (FL)
WHERE THE MONEY GOES
"I started using your book when it got to the point where we just didn't know where all the money was going. What a difference it has made."
- M.
HELP WITH THE IRS
"The IRS audited my records and said they were so good it was no problem and they accepted all of it. My insurance company also accepted my records without having receipts. I'm 68 years old and have used this book for 10 years and I'm buying 10 more for the next 10 years."
- M.H. (FL)
HELP WITH BANK LOANS
"Earlier this year I needed a personal loan. I could not have qualified if I had no proof of child support. The record in this workbook was sufficient information for the bank's approval."
- D.K. (ME)
NEEDS & WANTS
"I love your Needs and Wants List. It helps to keep me focused on what I need and want most of all."
- P.W. (OH)
HELP WITH BUDGETS
"As an avid budgeter, I'm always looking for new ways to help me budget. Your book, The Budget Kit, has been most helpful. I have used Quicken for my personal finances for years and love it, but it's budgeting abilities are atrocious! By the way, I love your book and am thrilled you have the spreadsheets available on Excel. Thanks again!"
- K.R.
