There are only three places your money can go.

• Paying Bills
• Savings
• Day-To-Day expenses such as food, clothes, transport etc.

Now here's the challenge… How can you look after your bills, savings and Day-To-Day expenses in a way that works for you?

That's what the Personality Budgeting Program is so good at. It treats each type of expense in the way that suits the expense. No more of the old-style lumping of all expenses together and being overwhelmed by the job.

Are you starting to get the idea that the Personality Budgeting Program is not just an old style budget that recorded where you money went? Rather the Personality Budgeting Program is a total program for giving you control of your money.

STOP! The Rules Have Changed!

Once upon a time, not so long ago the cheapest way to budget was to use a pencil and paper or even a spreadsheet budgeting program. That was before our lives became busy and complex. Now the cost of getting your budget wrong has exploded. The banks charge large fees for bounced cheques and overdrawn accounts. Businesses see late payments as a great way to grab huge penalty fees. As a result, the cost of not having a budget has far outgrown the cost of investing in a good program.

Back to the main story…

Let me introduce you to the “Banking Triangle.”

This is the diagram that has revolutionized how people budget. It shows how the three ways we spend money fit together. (For more details take the Budgeting Workshop)

Note: This is the general direction of flow for income.
There are times when the flow may be in the opposite direction.

Which brings us to the problem of…

Why Budgets Fail!

You've already heard how budgets fail because they try to treat all of your money in the same way. The result is chaos. The money for bills gets mixed up with the savings or the money for Day-To-Day living. You don't know how much of the money in your account you can spend and the troubles go on.

The story gets worse when you try to record all these different types of expense in the same way. A budget that uses the same recording method for milk as for electricity simply isn't going to work.

Last night I heard of yet another young couple in financial difficulties. The mother was almost in tears as she told the story. This couple is trying to do the right thing with their money. They've asked for help. Unfortunately the help they have received has put them in a worse position. They are now trying to use complicated methods to run a simple household budget. It won't work… and unfortunately the arguments about money are now causing severe strain on the relationship.

Let me tell you why!

Bills, Savings and Day-To-Day money are spent differently, so you need to treat them differently. This is a huge advantage of the Personality Budgeting Program. You treat the different types of expenses in the ways that suits the expense.

We'll start with the bills because that's where
the largest amount of your money is spent.

This is exciting, the Personality Budgeting Program makes bill paying simple. You'll never miss a bill payment again and you'll automatically know where you are up to.

All the bills are paid from a single bank account called the “Bill Account”. You probably already have a bank account you could use for you bills, if not - getting a separate account for bill paying will make your life so much simpler.

Have you noticed how bills keep arriving in the mail? Bills seem to breed like rabbits. First there is one or two and then there is an explosion. The pile just grows and grows!

Bills happen. They are predictable and computers are great at predicting. So here's the trick. You tell the Personality Budgeting Program how often a bill is due and it does the rest!

Let's use "rent" as an example. You could use any bill. You enter the amount of the rent, the date it is due and how often you have to pay it into the Personality Budgeting Program. You never have to enter rent again. The Program takes over and predicts how much you will need to put away each pay so the rent can be paid on time. The same applies for all your regular bills.

And it gets even better. Since the Personality Budgeting Program is looking at all your bills, it evens out the amount you need to deposit into your Bill Account from each pay. This means that you can forget those horror famine months when all the bills were due at once.

The program also has two graphs and a calendar that help here. The graphs show when your bills will be due. You can see at a glance which months have lots of bills and shift some of them to times that are more suitable to you. The result is less pressure on the budget and a more regular amount of money for the Day-To-Day living.

The Personality Budgeting Program
immediately tells you what is needed.

By now you're probably thinking, that's incredible but what about those bills that are once off? What do you do when the plumber comes to fix the hot water and all of a sudden you have to find big amounts of money?

Here's some good news. When an unexpected expense comes along, you simply enter it in and the results are there immediately. You can see what bills you will have to delay or how much extra you will need. There's none of the traditional rewriting of budgets. The Personality Budgeting Program does it all automatically for you.

With the Personality Budgeting Program you never have to worry about having the money to pay your bills again. You'll always know what is coming up and exactly how much money is available for your Day-To-Day living!

With the Bills out of the way you can now think about your savings.

Savings only happen when you make them a priority. We all know we need to save but until now there has been no easy way of making it happen. The Personality Budgeting Program helps you save in two different ways.

1. When you are saving for a specific purpose, you enter the amount you wish to save as a bill. The program sees the bill and puts the money aside for you. You then pay yourself the money in the same way you'd pay any other bill. The interesting part of this strategy is that it works!

Say you wish to save for a holiday next June. You enter the cost of the holiday as a bill due next June and your Personality Budgeting Program does the rest. When the time comes for the holiday, the money is there ready for you to enjoy yourself.

2. For general savings you enter the amount you are going to save each pay as a bill and automatically transfer the money into your savings account. This method has the advantage of making sure your savings happen.

Your personality and the purpose of the savings will determine which choice is best in each situation. The key is that the Personality Budgeting Program gives you the flexibility to save for what you want.

If saving has been a problem for you, then the simply amazing Personality Budgeting Program is the answer you have been looking for.

Now we need to look at our income!

Are you surprised how far through the information you are before your income is even mentioned? The reason is simple; you've committed yourself to paying your bills and savings. What is available after these expenses have come out is for your Day-To-Day living.

The following rule shows us where our Day-To-Day money comes from…

Your Income less Your Bills and Savings = Your Day-To-Day Money

The Personality Budgeting Program gives you three options when entering your income.

1. For regular incomes you enter them once and let the program look after them automatically.
2. For irregular incomes you enter them each time you are paid. People on highly changeable incomes find this a very helpful program. Retired people who are living off the interest from their savings are also able to use this system.
3. Some people choose to pay directly to their Day-To-Day Account without linking it to their Bill Account. That's also easy.

The Personality Budgeting Program is so flexible that you can mix and match the way you show your income.

Which brings us to the Day-To-Day account

Here's where the fun begins! Your bills and savings are out of the way and now you know how much you have available for living.

Traditional budgets have been especially bad and unfriendly when it comes to this area of spending. What you're about to read is breathtakingly simple and it works.

Trying to keep a tab on all our Day-To-Day expenses would be impossible unless we had an easy way of organizing them. That's the breakthrough of the Personality Budgeting Program.

Here's how it's done…

You choose to group your expenses as categories. Things like Food, medicine, clothing travel etc. For each category you work out how much you are going likely to spend. We call these guesses your ÒProposed BudgetÓ and then you record what you actually spend beside the guess. After a few pays your guess becomes very accurate. Now here's the good bit. Once you are happy with a section of your Day-To-Day Account you can leave it on automatic. If there is a special expense or you wish to check your spending in a particular area you follow that area closely.

This all means that you have incredible control and can be as hands on as you wish or let your account run on automatic.

Your Day-To-Day money is where you have the greatest freedom. Here you pay for food, entertainment transport etc. This is the money you have in your wallet or purse and in the Day-To-Day bank accounts for you and your partner.

We could spend hours talking about the features that make the Day-To-Day section of the program so popular. A much better idea is for you to download the program and give it a go. You are protected by the 30 day test drive so there is nothing to lose and everything to gain as you see how this simply amazing program can bring order and freedom to your finances.

Now let me tell you about a young mother who rang in a panic.

This lady told the story of how well she and her husband had been doing with their budget, until she went into hospital to have their first child. As always, the arrival of a new baby caused many changes around the home. One of the changes was how the couple spent their Day-To-Day money. All of a sudden their banking was in a mess. To make matters worse, all their old records were lost when the computer was upgraded. They needed a new budgeting program that would let them get out of the financial mess they had slipped into. They bought the Personal Budgeting Program and within days their expenses were back under control.

The details change, but the story is repeated time and again. People who want to sort their money turn to the Personality Budgeting Program and find success.

That's one of the exciting things about the Personality Budgeting Program. It gives you the ability to quickly respond to change.

Summary

The Personality Budgeting Program allows you the freedom to organize your money in a way that suits you. The computer is used to do the things that it is good at! You no longer spend your time trying to predict when a bill is coming.

The Program reflects the ways you spend your money. It allows you to keep a track of your finances in a way that suits the strengths of your personality. All of this gives you the opportunity to do the things you want with your life without suffering financially.

Which brings us to the final question…

Is the Personality Budgeting Program right for you?

That's a decision that only you can make. Here's an offer that I'm sure you'll agree is more than fair… You preview the program now and test it in your own home for the next 30 days. This means you will be able to enjoy for yourself the feeling of having your money under control. If for any reason you don't find the Personality Budgeting Program is right for you… then you get a 100% refund. Simple really, especially when the program will cost you less than a tank of gas.

I can only make you this offer because I know the history. Once a person has the program, they love it. Occasionally someone claims a refund and that's OK because what he or she wanted was not a budgeting program. You win no matter what. If you keep the program then you have a bargain that will change your life for the better. If you don't like it then you get your money back and you've lost nothing. Now that's what I call a WIN - WIN deal!