Last updated: 11/2008

A Complete Personal Money Management System With Budget Forms And Worksheets.
Learn How You Can Pay Off All Of Your Debts Including Your Credit Cards, Mortgage, Auto Loans, Student Loans And More In Under 10 Years AND Stay Debt Free For The Rest Of Your Life, Guaranteed

Keep reading to learn how a simple plan will make
you breeze through your debts and force you to
stay debt free.

Tuesday, November 06, 2007
From: Terry Rigg a.k.a. Grandpa Terry

Dear Friend,

IF you're dealing with living paycheck to paycheck and can't seem to find your way out, THEN this may very well be the most important letter you'll ever read. This is because it will show you how you can eliminate your debt in about half the normal time and save you thousands of dollars in interest charges.

"Facts About Eliminating Your Debt"

FACT #1 - Anyone With A Regular Source Of Income Can Eliminate Their Debt Much Faster!

FACT #2 - Having A Savings Account Can Have A Serious Negative Impact On Debt Elimination!

FACT #3 - You Don't Need A Lot Of Money To Eliminate Your Debt!

FACT #4 - You Don't Have To Change Your Current Lifestyle To Eliminate Your Debt!

FACT #5 - In Almost All Cases You Can Be Completely Debt Free In 10 Years Or Less Including Your Mortgage!

FACT #6 - Investing In Your Debt Is The Best Investment You Can Make!

FACT #7 - Debt Freedom Is Only Experienced By About 4% Of The US Population!

FACT #8 - Eliminating Your Debt Provides You And Your Family With The Financial Security You Could Only Dream About Before!

FACT #9 - Debt Freedom Allows You To Experience And Enjoy Your Life Without The Money Worries!

FACT #10 - Most Debt Elimination Programs Don't Provide A Method To Stay Debt Free!

"We could get as much as $300 each month just by changing our deductions!...."

The item that caught my attention most of all was the tax deductions. When I read this, I couldn't believe it!

When my husband got home, I read it to him. Needless to say, he was skeptical. I clicked on your link to the IRS and went through it and he saw that it could work. We could get as much as $300 each month just by changing our deductions!

Thank you for opening our eyes and letting us see how to "make" more money.....

Leslie Morse, Iowa

WHAT YOU NEED TO KNOW TO BE DEBT FREE

IN THIS Ebook YOU WILL LEARN HOW TO:

QUICKLY IDENTIFY WHAT IS CAUSING THE PROBLEM so that you can better understand what you need to do to solve it.

DRASTICALLY CUT YOUR MONTHLY EXPENSES to free up money for you to use to pay your bills, catch up on past due bills and start eliminating your debt.

PRIORITIZE YOUR SPENDING to make sure all of your must pay bills are covered in the event you can't pay everything.

PREVENT IMPULSE SPENDING that robs you of money you need to cover your bills, groceries and other essential spending.

ORGANIZE YOUR BILLS AND OTHER FINANCIAL PAPERWORK that will make the job of managing your money so much easier and prevent you from possibly paying a bill twice because of a lost receipt.

SYSTEMATICALLY PAY OFF ALL OF YOUR EXISTING DEBTS so that you can finally start reaping the rewards of that hard earned paycheck.

PROVIDE FINANCIAL SECURITY FOR YOU AND YOUR FAMILY so that can rest easy knowing your future plans, dreams and goals will be realized.

KNOW YOUR LEGAL RIGHTS WHEN DEALING WITH CREDITORS to prevent them from harassing or taking advantage of you if you get behind on your bill.

PREPARE FOR THE UNEXPECTED by preventing you from using your credit cards to pay for unplanned expenses and further deepening your debt obligations.

BUDGET WHEN YOUR PAYCHECK VARIES so that you will be able to pay all of your bills and expenses systematically and won't come up short of money when you receive a small paycheck.

PROPERLY MANAGE YOUR CREDIT CARDS to prevent over spending and late fees so you can use that money for more important purposes.

SORT YOUR MONEY ON PAYDAY to make sure you can cover all of your bills and expenses each and every payday.

START A WORKABLE SAVINGS PROGRAM so you can meet or exceed your long and short term goals.

ELIMINATE OVERDRAFT FEES ON YOUR CHECKING ACCOUNT so that money too can be used for other, more important purposes.

INCREASE YOUR CREDIT SCORE AND BUILD YOUR CREDIT RATING to help you qualify for necessary loans and save thousands of dollars in interest charges.

PREVENT FILING BANKRUPTCY that can damage your credit rating for up to 10 years and prevent you from getting your family what they want and need.

DETERMINE IF LOAN CONSOLIDATION IS RIGHT FOR YOU to help you make an educated decision and be sure you are making the right choice.

USE YOUR PAYROLL DEDUCTIONS TO YOUR ADVANTAGE so that you can make sure you have enough to cover your tax obligation without giving the government a free loan.

BECOME A STAY-AT-HOME MOM if you have been longing to quit your job without hurting your lifestyle.

PAY YOUR BILLS ON TIME EVERY MONTH and never have to worry about the late fees and harassing phone calls.

ELIMINATE THE STRESS OF YOUR MONEY PROBLEMS so that you can start enjoying your life again and stop worrying about your bills
...yours is the first system (I am 51) that I could easily incorporate into my busy lifestyle and stick to

I want you to know that I am using your budget system, and have been for about a year. While I have always enjoyed working with numbers and payoff plans, yours is the first system (I am 51) that I could easily incorporate into my busy lifestyle and stick to. It has really helped me to feel in control of our finances! Thank you again!

Tricia, Arizona

Why Are We Different?

Unlike other products that offer you dreams of eliminating your debt in just a couple of months, Living Within Your Means - The Easy Way will show you how you can realistically achieve a debt free status by first gaining control of your money, cutting unnecessary spending, making sure all essential expenses are covered and setting up a logical approach to paying off your debt.

Without a "Training Course" on how to manage your money on a day to day basis even the best debt elimination programs are destined to fail. This is because you may not have the tools or the knowledge you need to prevent going into debt again.

The biggest difference between us and the other guys is that the process is made simple and very easy to understand and follow. You are taken step by step, showing your exactly what you need to know and do before continuing.

This book is a tremendous asset to have no matter what your income level is....

This book is very easy to read and understand. I have already started saving by putting Terry's easy ideas to work. I would recommend this to anyone that is interested in having more of their own money to spend, whether it be now, or during retirement.

Marlena Harris, United States

...most concise, to-the-point budgeting resources that I have had the pleasure to read....

Terry Rigg's e-book "Living Within Your Means-The Easy Way" is one of the most concise, to-the-point budgeting resources that I have had the pleasure to read. Too many so-called self-help books end up on the yard sale table or are discarded to the dustbin because they are pep talks with feel-good advice. Terry's ebook doesn't mince words. If you are reading his book, there is a reason for it and it requires self-discipline and restraint to constrain personal spending while finding the hidden dollars in one's paycheck to not only make ends meet, but to save for the future while eliminating the weight of credit debt. I recommend Terry's e-book not only to the debtor weighed down by the burden of debt but to the young person just getting out into the world....

Joe Keenan, South Dakota

...am very excited to travel the road to a balanced household budget and a savings account that keeps growing

I want to extend my deepest thanks to you on this book. I am a single mom trying to support 3 boys on my salary and measly child support. I have always had good intentions of starting a budget but kept putting it off with excuses. The number one excuse was that it looked too hard to even start. After reading your book on budgeting, I HAVE started and am very excited to travel the road to a balanced household budget and a savings account that keeps growing....

Cindy Thrasher, Indiana

The Excitement Starts Almost Immediately

When you open "Living Within Your Means - The Easy Way" and start reading you will start to visualize exactly what changes you need to make to your finances almost immediately. About a third of the way through you will be able to sit down and organize everything, make plans to cut your expenses and see just how easy the transition is going to be for you.

My readers tell me that it's about the third chapter of my ebook where they start getting excited and realize that they will be able to accomplish what they had previously thought was impossible.

After reading "Living Within Your Means - The Easy Way" you will have a thorough understanding of how Personal Money Management works, have a plan to organize and maintain your personal financial files and pay off all of your existing debt. Contains over 100 money saving strategies that will free up hundreds of dollars each month to apply to your debt reduction, household maintenance or for any other purpose you choose.

...one stop guide to learn everything you need to know about how to get your finances back on track

The book is a wonderfully complete guide to getting your finances in order. Whether you need to make more money or spend less, it's a one stop guide to learn everything you need to know about how to get your finances back on track. I love that the links are right in the book, so further information is only a click away. I love the additional ideas at the end....

Nancy Lopes, New Jersey

Every age, every stage person can learn from this book

Thrown at you by page 8 are words so strong that you want to cut and run ( discipline, organization, CHANGE); but then comes the line of saving grace: "I believe that anyone that gets up and goes to work everyday, or takes care of a home and family, already has the discipline they need, they just have to learn how to apply it". Very sweet words to the ears of the money-battered and frail.

Starting from basic "baby" steps, the author leads you through the forms,guidelines and thinking processes that enable you to achieve the financial focus that will lead you to your financial freedom.

Every age, every stage person can learn from this book. I would have bought it for the list of web sites alone....

Elaine Wente, Nevada

I Guarantee You WILL Save Money Immediately or You Get 100% Of Your Money Back

I don't want you to risk anything. If money is tight you can't afford that. So, I'm giving you a full 30 days to try "Living Within Your Means - The Easy Way" and the bonuses. If you don't believe, for any reason, that this offer is exactly the way I explained it, you WILL get your money back.

I personally guarantee if you make a diligent effort to use just a few of the techniques in my ebook, you'll find at least $200 a month in savings on your expenses in the next 30 days. That's right, $200 in extra money you never would have seen without this ebook. If you don't, I'll refund the entire cost of the ebook to you, No Questions Asked.

That's $200 More Each And Every Month Or You Get Your Money Back!

Actually, you get double protection. Here's how. At any time during the 30 day period, if you sincerely feel I fell short in any way on delivering everything I promised, I'll be happy to give you a complete refund. Even if it's on the 30th day!

I absolutely, unequivocally guarantee the above, or I'll refund every penny of your money within the first 30 days. This is an unconditional, satisfaction guarantee.

If for any reason you're not 100% thrilled and delighted with with Living Within Your Means - The Easy Way, I'll give you every PENNY of your money back. That's how confident I am that you'll love my ebook.

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Here Are The Tools You Need
To Make My Program Work For You!

In addition to the "Living Within Your Means - The Easy Way" e-book you'll get SIX exciting bonuses. Each one of these bonuses were specifically selected to give you even more tools to get a better handle on your personal finances.

Your Bonuses

Special Bonus
If You Order Right Now!

"The Bill Pay Management System"
This exciting new software is designed to prevent you from ever being late on another payment or bouncing another check. You will save on late fees on your bills and overdraft fees on your checking account. Extremely easy to set up and only takes a couple of minutes to maintain!

Bonus 1

"The "New" Complete Budget and Bill Organizer"
The absolute easiest Budget System Available! You get all of the forms and worksheets you need to setup and maintain an effective Budget. You also get an extremely simple way to organize all of your bills and receipts so that you can lay your hands on anything you need within seconds. You will know at a glance what's been paid for the month and what's left to be paid. "Your money at a glance!!!"

Bonus 2

"How To Budget Successfully"
All New" - Now Lightning Navigation Through All 35 Articles
35 Of My Money Management Articles To Guide You Through The Process of eliminating your debt. These articles can be found on hundreds of web sites throughout the internet but I have combined and categorized them in this easy to read ebook.

Bonus 3

"Eight Steps to Effectively Tackle the Process of Saving Money"
This is the best eight articles I've seen to show you how to establish good savings habits. This ebook will take you step by step to show you how you can find money to save.

Bonus 4

"10 Calculating Budget and Credit Card Forms!!!"
Brand "New" Includes Form, Example and Complete Instructions

Make the Job Easy by having your Calculating Forms right there on your computer! Just enter your information and let these incredible forms do the calculating work for you. You can use these forms to manage your Budget, determine the best way to pay off your credit cards, find out if a debt consolidation loan would be right for you and even manage your checking account. "These budgeting spreadsheets were created in Exel. If you do not have Excel or a compatible program on your pc a link to download one free of charge is provided."

Bonus 5

"Credit Card Math"

Have you ever wondered why you pay and pay and pay on credit cards and the balance never seems to go down? There is a very good reason for this! Credit Card companies figure their interest differently than regular loans.

"Credit Card Math" will explain these differences in great detail and show you how you can get ahead of the Credit Card Companies and save a bundle. Click Here to see a larger view of this amazing software.

Bonus 6

FREE UNLIMITED SUPPORT

When you order you will receive a Priority Email Address directly to me so that I can provide you with unlimited support. You will never be left on your own. It's like having your own Personal Financial Adviser just a Send Click Away!

Order Now And Receive This Entire Package
It's Everything You Could Ever Need To Manage Your Money!
"Living Within Your Means - The Easy Way"

"The "New" Complete Budget and Bill Organizer"
"How To Budget Successfully"
"Eight Steps to Effectively Tackle the Process of Saving Money"
"10 Calculating Budget and Credit Card Forms"
"Credit Card Math"
"The Bill Pay Management System"

PLUS:

-Free Unlimited Support & Expert Advice
-Free Future Updates of My Ebook and Bonuses
-Several Unadvertised Bonuses

"Living Within Your Means - The Easy Way" is downloaded in a convenient PDF file, thus it works for both Macs and PC's. You'll get INSTANT access. (Some bonuses are in .exe format and NOT compatible with MAC)

To order "Living Within Your Means - The Easy Way" just click the link below. You can pay using any major credit card, e-check, or from your PayPal account balance.

Your Order is 100% Safe, Secure, Risk Free and Fully Guaranteed!