Archive for the ‘Uncategorized’ Category

Let’s look at a common misunderstanding about achieving financial success; keeping financial records.
Over the last 4 or 5 months I have had quite a few people send me information about iPhone apps that you can download allowing you to keep records of where you spent all your money.

There is definitely a place for keeping financial records but way too many people think it is THE answer to achieving budgeting success. In my Simple Wealth Steps course we spend about 2 weeks carefully monitoring where the money goes. After that it becomes a boring and fairly pointless exercise unless you need to keep records for tax purposes.

I used to keep diligent records (and I still do to a lesser extent for tax reasons) but prior to creating the system I now call Simply Budgets I used to believe that keeping records would get my money problems sorted out.

After 20 years all I had was a big box full of notepaper that was good for two things.

1. A good laugh (like when I saw I spent $2 a week on petrol back in 1975)
2. A good bonfire

Keeping records never did sort out my money problems!

There is a really simple reason why it never did.

If you are aiming for nothing you will always hit nothing! Record keeping is all about looking at the past, something you can not change. You can regret the past or celebrate it but either way it is history that can not be changed.

Most people wish they had done things differently, saved more, invested more wisely and generally been more aware and responsible with what they earned.

However, if you stop and think about it, looking backwards has very little chance of ever changing your future for the better.

Here’s why.

If you have kept records, you can add up all the money you regret spending foolishly over the last year and you can promise yourself you will do better next year but the reality is that in 12 months time you will more than likely be looking at similar figures as the last year.

i.e. Nothing changed! You had a desire to change but no way to make it happen.

To change, you will need to do something other than keeping records and looking backwards at the end of the year (or all year long for that matter).

Everyone reading this e-mail who currently uses my Simply Budgets software knows without a doubt that looking forwards is the key to achieving the financial outcomes they want, not looking backwards.

i.e. You aim at something from the outset rather than finding out what happened after the fact!

It is well documented that if you wish to achieve a goal, you need to first state what that goal is BEFORE you start the journey. Then you need to break that journey down into a road map with easy to achieve steps you can measure and monitor along the way so you don’t find yourself two days out from your target suddenly realising you have no possible way of achieving it.

You also need to put your plan down on paper so it is in black and white and can be viewed regularly to remind you of your intention and to help you identify the progress you have made on your journey.

I did not realise when I was inventing the Simply Budgets system for my own financial rescue that it actually is based on the principles of goal setting that have been around for donkey’s years. It only dawned on me later.

I actually taught myself about goal setting and how to break goals down into easy bite sized and measurable chunks because I went looking for a solution to a specific problem that really needed goal setting principles applied to it.

So the lesson for today is this;

Keeping records can be useful for a while but the moment you get sick or have a holiday or take time out, it will become too hard to catch up on and it will all seem rather pointless anyway because it can not change your future.

In contrast to that, preparing a road map for the future that basically is your ideal bank statement for the next 12 months in advance with daily targets to aim for that will get all your bills paid on time every time can change your future.

And the good thing about doing this is that it only takes 5 minutes a week to totally take control and change your future to the one you chose rather than the one you ended up regretting.

All you need to do is check your bank balance once a week and compare it with where your road map (budget plan) shows you need to be. If you are in front you can either go shopping or just enjoy the feeling of knowing you are in a really good place. If you are behind you have time to do something about it before it causes you major grief!

Simply Budgets is incredibly powerful in that it easily allows you to see and plan the future before you begin the journey. In fact you do not need to keep records because you actually create them before you start and then check them off as you go. It is also very easy to change the plan if you want (or need) to and if you like, you can experiment with different plans before you even start out on the journey.

And if you know you need help to make this happen, I announced at the start of the year that I would be introducing a program for people who realised that they have good intentions but find they have difficulty creating and/or sticking to their plans and they just need someone to be ‘on their case’ looking over their shoulder for a while to get them on track and past the hardest part; getting started.

I have been working on setting up the system to make this happen for a while now and as of next week it will be available to anyone who wishes to have someone looking over their shoulder who they are accountable to each week.

To date, the people who have had their budgets monitored in this way have reported huge benefits. The difference is like comparing two athletes; one with a coach and one who has decided he can coach himself!

More on this next time…. For now I suggest you dust off your copy of Simply Budgets and get stuck into setting up a simple budget to be your road map to pay your ten most annoying bills and organise to transfer into a special ‘Bill Account’ each week the amount the budget tells you is required to make that bills account work. You will not touch this money except for paying those ten bills.

If you don’t have a copy then it is way past time you did. It is such a powerful tool and the foundation of everything else I teach and talk about.

Go to http://simplybudgets.com.au/order-simply-budgets-online/ if you need to order a copy for yourself.

That’s all for now. Have a great week!

Warm Regards
David Wright

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So, You may have noticed that I have invited Nhan Nguyen to be my guest speaker at a number of workshops over the last 12 months. Last week he spoke at two of my events.

I met Nhan about 6 or 7 years ago as a very young and very keen property investor. Our paths have crossed on a number of occasions since then. I could see that he was definitely someone on a mission!

Last year he invited me to speak at one of his week-end property workshops and I accepted his invitation. I was blown away by the energy and the way he got people to take action in a safe environment where important lessons could be learnt. It was not the place for someone who wanted to hide in the corner and pretend they were there to change their life!

It was an informative and empowering week-end.

It was immediately after that that I invited him to be my guest speaker at workshops around Australia.

I thought I should let you know that Nhan is holding another one of his week-end workshops this coming week-end 27^th and 28^th of August. You probably know that I don’t promote many events but I am very happy to promote this one because Nhan is the real deal and he walks his talk.

Just today I phoned him for his opinion on how to put together a potential property deal that I have in mind. He immediately presented me with some other great options that I had not considered.

He knows his stuff and I highly recommend him.

To find out more about his seminar go to http://www.1shoppingcart.com/app/?af=1371162

If at all possible you should make the effort to attend this event.

It would be easy to be influenced by all the negative talk about how the economy is so bad and how the real estate market is very slow but it all depends on what you know and how you look at things.

I listened to Nhan last week-end at my Brisbane workshop and I immediately had ideas for potential property transactions that work regardless of what the market is doing.

Even if you are a renter and can’t see beyond that right now he will show you strategies to use that will have you very excited.

To attend one of his week-end events will normally set you back $597 but because of the relationship I have with Nhan you will get a huge discount.

Go to http://www.1shoppingcart.com/app/?af=1371162 to find out more.

What more can I say?
Regards
David

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The mind is an incredible thing and its power is unmeasurable.

I would be safe in saying that nobody even goes close to harnessing all the power of their mind. For all the examples I have given above there is one key element of the mind that makes all the difference. That element is belief. Once people saw these things were possible they could believe it was possible for them and then they could achieve them too. Belief is such an incredible power.

So, the big question is;  how do you change your beliefs about yourself and your finances and for that matter, any other area of your life you might want to change?

Maybe you believe managing and succeeding with money is just too hard for you, or that you just don’t earn enough money. The fact is Nothing is hard once you can do it. I would love to help you if you have a challenge with budgeting and managing your cash flow.

At Simply Budgets we offer online courses, software, clinics, whatever suits your style to make financial management easy. Don’t resign yourself to more of the same.

Click here to visit our home page now to find a financial management plan that suits your style of learning!

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When you feel like things are going really well for you and money pressure is not gnawing at you, there is a real danger that you can float along thinking everything is fine only to find one day that the advantage you had has disappeared and you are in a spot of bother.

When you have an abundance, don’t be in a hurry to unload it. Take your time, be frugal! You can only spend it once, but in a million possible ways up until the moment it is spent! The moment you spend it, you just lost 999,999 possibilities!

It’s amazing how the things we just ” have to have” at some time are later of very little value to us, so don’t rush in. Have some surplus put aside for the lean times. I never met anyone who regretted saving money, but I have met plenty who regretted that they did not! Want to understand and manage your cashflow so you don’t blow the budget in good times?

To trial a demonstration of our powerful Personal Budgeting Software for 30 days click here now.

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When Mr. Money meets Mr. Experience, Mr. Money gets the Experience and Mr. Experience gets the money.

As school leavers, the lack of experience our children have places them at a great risk of making mistakes they will remember and suffer from for a long time. I heard recently that many school leavers are already in debt by more than $15,000 for consumer goods before they reach the age of 20.
I thought it would be a good idea to look at what we should teach our children about money and the value they eventually place on it. One of the key issues I focus on when I have my say about money is how little is taught in school about managing money for life. Our Kids Pocket Pal is great for teaching kids about the value of money and working for the things they want. Rather than just giving your children pocket money, Pocket Pal requires that they negotiate jobs and the rate they will be paid for those jobs.

Click here to learn about our Pocket Pal Programs for Kids.

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In one of my Money Hints and Tips newsletters I refer to a strategy I call Repayment Snowballing. This is used to speed up the process of debt management quicker . There are a few different opinions on how best to implement this strategy so lets have a look at which will save you the most money. There are basically two trains of thought.

Debt Management Strategies

1. Pour any surplus cash into paying off your smallest debt first and then when that debt is paid off, adding (snowballing) that repayment onto the next smallest debt until it is paid off or the debt management is achieved. Continue this process, always adding the repayments from the paid-off loans to the next smallest debt until all debts are cleared. (At which time you could give your self a big pat on the back and swear to never put yourself through such agony again!)

2. Pour any surplus cash into paying off your highest interest rate debt first and then, when you’ve achieved debt management for and paid that debt off, adding (snowballing) that repayment onto the next highest interest rate debt until it is paid off. Continue this process, always adding the repayments from the paid-off loans to the next highest interest rate loans until your debt management is complete.

These look very similar don’t they! The point in question here is, do you tackle the smallest debt first, or the highest interest rate debt first?  I simply suggest there could be an argument either way. Psychologically, paying off a small debt quickly can give you a sense of actually achieving something. This can do wonders for your sense of mental well being and provide motivation to go on working at the problem in a positive frame of mind. Mathematically though, it is easy to show that tackling the highest interest rate debt first will always save you money.

Click here to download our FREE Debt Calculator to work out the best strategy for your credit card management.

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‘Big-E’ Number One – ‘Emotions’

Over the next little while I am going to be writing about the Big-‘E’s (words that start with the letter ‘E’) that will have a major bearing on your financial outcomes in life.

The number of Big-’E’s I have on my list keeps growing the more I think about it. My list originally started out with 5 ‘E-words’ but it is now over 10 and growing!

I am going to start off today with one that is a major stumbling block to millions of people and that is ‘Emotions’.

If you were to draw a line on a piece of paper and write the word Emotional at one end, at the other end you should write the word ‘Logical’.

Making Financial Decisions

Here I am referring to how you make financial decisions. Every choice you make can be measured somewhere on that line.

If all your decisions are driven by emotions then you are open to make many foolish choices because emotions are not logical at all. I’m sure you know that you can love someone for no logical reason. You just love them! The say love is blind because there is no logical reason why you would put up with being treated a certain way over and over again but you do it anyway. We forgive when forgiveness is not deserved; we just forgive anyway.

Now this MAY work in relationships with people but when it comes to our relationship with money it can have disastrous outcomes.

Make financial decisions based on emotions that are not backed up with logic and you are in serious trouble. Saying things like ‘I feel like this is a great investment opportunity’ doesn’t really work unless you have done the calculations and research to justify the emotions behind the feelings.

Know Your Emotions

Now I’m sure you know someone who shows absolutely no e-motions and everything they do is clinical and based on logic (might make a good TV sitcom). They can be pretty dull to hang around with, but they usually make good decisions (if they ever stop analysing and make one). You do need to allow emotions into your life but you need to be very aware of what impact they are having on your financial choices and learn to control the situation.

Interestingly, if you were to draw the line I mentioned above and then try to mark on the line where you sit (between emotional and logical) regarding making financial choices, you would find the mark would be at all different places depending on what decision you are making.

You might make really good logical choices when it comes to buying food but the moment buying clothes is on the agenda you may lose all common sense and self control goes out the window (and so does your money)!

The key is to know what your emotional weaknesses are and then protect yourself from yourself. If you know you have an emotional issue in a certain area, before you get into trouble, put a rule in place. A rule allows you to make a decision without having to engage emotions or logic.

Rules That Can Protect You

A rule like I will never spend more than $50 on a single non-essential item without walking away for 24hrs would be an example.

I can hear a lot of people gasping right now! You have to be joking! What if this item is on sale and it’s the last one left and it’s a bargain! These people are getting all Emotional on me! If you are one of them, you will need to work your way through this. You need to determine what is Emotional and what is Logical and how to make Logical choices rather than Emotional choices.

In 6 months time when you are struggling to pay your car registration, will the NEED to fill the Emotional void 6 months ago stack up to the Emotional pain you are in because you can not pay your registration? I doubt it!

Money Problems?

It is normal for anyone who is in financial difficulty to think they have a money problem. I say that the financial difficulty is evidence that there is a problem but it is NOT a money problem. It will be one of the Big-‘E’s that is the problem. Financial difficulty is the manifestation of perhaps an Emotional problem or one of the other Big-‘E’s I will be writing about over the weeks ahead.

You need to be really clear about this.

If what I have written here is a surprise to you, can I suggest that you record ALL purchases (yes ALL) you make in the next two weeks and classify them as Emotional or Logical and Essential or Discretionary.

Analyse what you have recorded at the end of the two weeks and see what you can learn about yourself.

You definitely need emotions but they do not belong in making your financial decisions.

That’s all for today.

Back again next time with Big-‘E’ number 2.

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CashFlow Clinics are a great way to learn how to take control of your money and make rational rather than emotional choices.

Go to http://simplybudgets.com.au/cfcoaching to find out when I will be near you.

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Hello again,

I’m writing this while sitting in the departure lounge at London’s Heathrow International airport waiting to fly back to Australia after speaking at two seminars and helping start a Simply Budgets presence in the UK. One of the seminars was recorded and I will have a DVD available before too long for those who might be interested in a copy.

Part of an interview I gave was recorded and is now up on YouTube. If you are interested in listening in, go to http://www.youtube.com/watch?v=rbpnzj9SqBg&feature=player_embedded

Anyway, what better time to bring you the results of a fairly recent British Survey than right now?

Recent British Survey

The research by AXA and Dr Henderson found that in the last year:

• 87 per cent of people have suffered from financial stress
• More than one in 10 suffer from symptoms of financial stress all the time, over a quarter frequently and one third sometimes
• High level managers blame the cost of living, bills and debt repayments for their worsening stress over the last year. As a result they tend to over eat (25%), feel anxious (23 per cent) and feel permanently tired (17 per cent%).
• On average respondents know six people close to them suffering from money stress
• Women experience higher levels of stress than men: 14 per cent are always stressed, compared to eight per cent of men
• 19 per cent of adults turn to food for consolation while 18 per cent take comfort in exercise
• Significant symptoms suffered overall include anxiety (41%), weight gain (25%), depression (23%), loss of concentration (22%), insomnia (21%) and loss of sense of humour (16 per cent).
• Financial stress diminishes the sex drive of 13 per cent of women compared with seven per cent of men.

Pretty sad report really don’t you think?

From what I have seen on the newscasts over here, the global financial crises has hit a lot harder than in Australia where we are very lucky to have big diggers and plenty of orders for our dirt.

Mind you we have gone from being a debt free nation four years ago to trying to patch up the damage now, but we are in better shape than a lot of other countries!

How would you have responded?

So what about you? How’s your financial journey going? How would you have responded to that survey? Do you want to make some changes to your finances?

A Passion to Help

My passion is to help people who are not happy with their current financial status and who are ready for change. I do this by providing education, coaching and software. Rather than making outrageous promises that I can make everyone wealthy beyond their wildest dreams I promise to help people get their bills paid on time with no stress. From there they learn how to save and from there we take simple little steps towards financial stability and security.

Over the years I have gained a lot of experience in this work. Some of the people receiving this e-mail have been on my mailing list for almost 10 years and have witnessed a steadily increasing list of products and services over that time.

Some were my very first customers who I visited in their homes maybe 15 years ago before I even knew about mailing lists, e-mails and web-sites!

Summary

For the sake of those people who have only recently joined me, I thought today I would give a quick summary of how I help people move away from the sort of negative results reported in the survey above and into a much happier financial place.

As you know, some of the services I provide are free, like my newsletters, some teleconferences and various software calculators I create from time to time.

Here is what I do and how I help people achieve better financial outcomes;

From the start I should say how much I really dislike impersonal, uncaring, profit driven financial service providers. Maybe even to the point where when I started out I had very unrealistic expectations about how I could run a business.

My business plan was “give great service and hope the income side of things would take care of itself”

I was like a puppy dog with my tail wagging. All I wanted to do was impress and help people. Earning an income from what I was doing was something I just expected would happen if I focussed on giving good service and helping people sort out their financial problems.

I have had to address this issue along the way. It is true that if you give, the universe wants to give back to you, but if you don’t ASK you don’t receive much.

The Simply Budgets software was the first product I created and is still the cornerstone of everything else I do. Over 27,000 copies are out there giving great service to those who use them. Version 2 is due to be launched next month.

I then developed a training course called CashFlow Club where people attended a 1hr session one night a week for 6 weeks. That later became a two part workshop two weeks apart that I called a CashFlow Clinic. This morphed into a one day event, still called a CashFlow Clinic, where people would come to learn the skills of CashFlow management and how to use the Simply Budgets system.

Both A Current Affair and Today Tonight covered what I was doing in these early days.

I am not sure how many people have attended CashFlow Clinics over the years but it must be approaching 1,000 by now. I have Clinics scheduled over the next few months in the major cities of Australia. For more details go to www.simplybudgets.com.au/cfcoaching

Along the way I developed a software application I called DebtBuster that solves the problems of people with many debts who want to find the most efficient way to pay them off. It generates a detailed repayment plan to follow.

I developed this because I got tired of responding to e-mails from people who had sent me a list of their debts asking how to get them paid off as quickly as possible. I would sit up late crunching the numbers so I could send back the plan. It was the same process every time, just different numbers, so I decided to make it so people could do this for themselves.

In 2008 I started writing a book about how to get out of debt. When it was finished I asked my newsletter readers to help me name it. Hundreds of suggestions came in and I eventually settled on the name “How to Dump Your Debt (without living on baked beans)”.

In 2010 I launched a new web-site at www.simplewealthsteps.com where I offered a 12 month educational program called (you guessed it) Simple Wealth Steps.

I am really proud of this program. For less than most people spend on telephone chatter each month I deliver a huge amount of valuable information and life changing exercises via a weekly e-mail containing a reading assignment and a task. People are required to report back each week so I know they are on track.

This course includes a copy of Simply Budgets and DebtBuster and like everything I do, I give a money back guarantee.

I also have a group of people on my Succeed With Money program. This is only available to people who are currently on (or who have completed) the Simple Wealth Steps program.

Each week we connect via teleconference where we have a number of purposes.

• I interview successful people so we can learn from them and the group members get to ask any questions they like. Calls are recorded and are available to listen if members missed the call.
• We use the book “The Road to Financial Freedom” as a text to learn from.
• We help each other through offering support where individual members who are working on a particular project or issue can present their current issues to the whole group on the weekly teleconference.

Another service that has evolved out of a need to help people stay on track is an online budget monitoring system for those who want to be held accountable to their budget plan for a period of time.

Each week they are required to log in and report on their performance against the budget plan they committed to. They enter their bank balances and these are compared with the targets that were predicted at the start. If they fall behind they have to explain why this has happened. If the plan needs to change, we change it. If the problem is no self discipline we help with that as well! You can view a demo of how this works at www.simplewealthsteps.com/media/CoachingDemo.htm

I occasionally run topical seminars where I present information that I believe will be of great assistance to people at the time. Sometimes I bring guest speakers to these seminars as well.

My biggest challenge is that I work in a field where there are a lot of people saying “Come follow me and I will show you how to become wealthy” and many of them are not worth following. As a result trust is in short supply.

My policy is very much that I offer my services and then leave it up to people to decide whether they are ready for what is on offer or not.

I really dislike pushy sales tactics and prefer to simply offer a 100% money back guarantee on all my products and services so people can feel safe in making a decision to do business with me when they are ready.

So there you go. You know what I have been up to and what I offer.
New Software Launch

Version two of Simply Budgets is being released on April 1^st.

You can preview the upgrade page at www.simplybudgets.com.au/upgrades

That’s all for now,
More riveting stuff next time.

Links from today.

YouTube UK Interview, go to http://www.youtube.com/watch?v=rbpnzj9SqBg&feature=player_embedded

Simple Wealth Steps – www.simplewealthsteps.com

CashFlow Clinics – www.simplybudgets.com.au/cfcoaching

Simply Budgets V2.0 preview – www.simplybudgets.com.au/upgrades

Budget Monitoring – www.simplewealthsteps.com/media/CoachingDemo.htm

Succeed With Money by invitation only – e-mail admin@simplybudgets.com

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Unbelievable is all I can say!

There is no year in living memory where so much devastation and heartache has occurred over such a wide area in such a short space of time. I think we can all say we have had enough floods and cyclones for a while!!!

I can’t imagine how the farmers in Innisfail and the surrounding areas can be feeling today after another total banana crop annihilation only a few years since the last time!

History Repeats?

Do you remember what happened back then?

I seem to remember the price of bananas went through the roof and at the time droughts were also causing fruit and vege shortages and price rises. Interest rates went up because we were told we had an inflation problem!

Now it is floods and cyclones causing supply shortages. How are we all going to feel if we get told that we again have inflation because of the food price rises caused by these events? If interest rates rise as a result of the current events I would have to say I can’t think of a crueller outcome!

I do hope I am totally off the mark!

All of our hearts go out to the people in North Queensland who have been impacted by the cyclone. I imagine Mt Isa residents never ever thought they would get to see a cyclone, but that appears to be the case right now.

Fund Raising Update

So, that brings me to saying a big ‘thankyou’ to all the people who took me up on the offer to join my ‘Simple Wealth Steps’ program and donate to the Qld Flood appeal. There are more people who have indicated they will get involved in the next week or so as their finances allow.

I set the goal to raise $5,000 to help flood victims and decided that it is a lot easier for people to make a donation if they get something of value in return. My Simple Wealth Steps program has taken a huge amount of effort to create and is one of the things I am most proud of, so decided the first month of the program would be an appropriate offering to exchange for a donation.

As you would have noticed there has been a lot of discussion around how to finance the repairs to disaster affected areas in the last week or so and I have had people saying to me that since we are probably all going to be taxed extra, why donate?

Many people who volunteered and donated are now asking valid questions around this topic.

In order to avoid the controversy but still stay true to my initial goal and commitment I have decided to change the way I am contributing to the fund-raising effort.

New Approach

Rather than me dictating the amount donated from people joining my Simple Wealth Steps program, I have decided to offer the first month of that program for 10 cents and I will leave it up to those who take advantage of the offer to make the decision as to how much they want to donate to the appeal in exchange for my donation to them.

The remainder of the program is $49 a month and I offer a money back guarantee for 3 months in case you decide the program does not suit you.

E-mail I received

Below is an excerpt from an e-mail I received during the week.

Hi David

We were flooded in Bellbowrie; 600 mm all through the house, and people just walked in and moved all the furniture out to a pressure wash garage. The army removed all the stinking carpets & the timber flooring is still dripping.

We were totally exhausted.

Days later the walls are still drying.

We were better off than other people in our street.

They had water over the gutters.
I enjoy your newsletters, and realise I should do a budget but our costs are all over the place. We are on a fixed income, which could be difficult after the floods with so many variables & now ‘renovating’.

Regards
AB

There are thousands of fellow Aussies like AB who were (and still are) in desperate need of assistance!

This is not a case of helping people who were just too stingy to pay for insurance. Most insurance companies will not insure against flood, especially if a dwelling has been flooded before like in Brisbane!

Please Help

My offer and my goal still stand but you now have the freedom to make whatever donation you feel is appropriate.

If you really want to change your financial direction for the better in 2011, sign up for the Simple Wealth Steps program at

www.simplewealthsteps.com/first-month-10cents

If you are not one of the people who have already signed up for this program you owe it to yourself to give it a go. Nothing will change if you do nothing to change!

Life without money stress is not a pipe dream; it is a real possibility. There will never be a better time to give it a go. I ‘money back guarantee’ it and in the process you have a really great opportunity to get some real value in exchange for helping out with the flood appeal.

If you have been on my mailing list for a while you know I don’t usually go on like this, it is just that I know that between us we can make a difference. I promise to help you improve your finances and hopefully you in response will help more flood or cyclone victims. That’s a win – win!

Oh and by the way, I do have to say I disagree with AB’s last comments. I often get e-mails from people who tell me they can’t budget because their income varies – now I am really confused!

I’ll have something totally different for you next time.

Please join with me if you want to help and want to change!

That web-page again; www.simplewealthsteps.com/first-month-10cents or if you want me to just make a $49 donation for you go to www.simplewealthsteps.com.

Regards

David Wright

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I have a really great flood fund raising concept to run past you today that will not only benefit the flood victims but gives a win-win situation.

Flood Clean-up

I spent the day in Brisbane on Sunday helping with the flood cleanup.

What a huge task!

We were taken to a location near Qld Uni where the streets were lined with sloppy piles of rubbish that were once people’s lives. The idea was that we would be loading the piles into trucks but there were not enough trucks to service all the streets so in the end we never loaded one truck!

However there was no shortage of jobs to be done.

The group of people I was with found a basement car park below some units that was about 30cm to 40cm deep in sloppy mud, so we tackled the task of shovelling it out onto the street where hopefully it would sludge its way down to a stormwater drain.

Getting Dirty

We started out with shovels. Then we discovered brooms did a better job and then we worked out that if we commandeered some damaged desk-tops, doors, or shelves off the piles in the street we could move more slop more efficiently.

Have a look at the video on You Tube at http://www.youtube.com/watch?v=qqWJDW-quHc which was taken by one of the volunteers working with us when we were nearly finished the job (about 4 hours after we started). I’m the one wearing the orange vest.

Eventually a fellow came along with a Bob-Cat. He grabbed a soggy mattress with his bucket and used it as a huge kitchen sponge to clear the mud we had pushed into the street into the drain. He made ‘people power’ look like hard work, but in the absence of machinery, people did a great job.

All up and down the street there were people hard at work, pressure cleaning walls, carrying out sloppy items, hosing off driveways, shovelling mud, delivering drinking water, clearing drains, the list goes on. I think we all looked a sight when we walked out of there, caked in mud (and smelling like slop)!

Of course not everyone lives close enough to be able to roll up their sleeves and get in and help but obviously thousands of people have pitched in financially, making donations to the relief appeal.

Fund Raising Concept.

So, I have been thinking about how Simply Budgets as a business can contribute to the appeal and here is what I have come up with.

Last year I launched a 12 month educational program called Simple Wealth Steps.

I am extremely proud of how well this has turned out. It has become a major part of my business and how I help people change their lives.

People are reporting back to me with excitement from of getting out of debt and saving money, from changing their beliefs about money and opening up their minds to new opportunities and not just taking control of their day to day finances but learning about how wealthy people think and what they do differently on a regular basis.

I wrote the course to help people break through the limits that were previously holding them back and it is doing just that!

My Goal

The course is $49 a month for 12 months. I have decided to donate the first month’s proceeds from ALL new people who sign-up to this course between now and Valentine’s Day 2011 to the flood relief fund.

I am hoping to donate $5,000 (more would be great). All it will take is for another 102 people to sign up in the next month.

If you have been considering signing up for the Simple Wealth Steps program, or you are sick and tired of NOT achieving your financial goals in life, then now is the time to do something about it!

You will be helping the flood appeal and you will be kick starting a most amazing new chapter in your life.

Guarantee.

Even though I want to donate as much as possible, I don’t want people signing up so they can help with the flood appeal only to find they regret it and spend the next 11 months ignoring the lessons and not getting value for money.

So, I am offering a money back guarantee for the subsequent two months. I.e. your first month’s subscription will go to the flood appeal. During the next two months, if you come to the conclusion that the program does not suit you or it does not stack up to be as good as I said it was, simply let me know, return any unused materials I sent you and I will withdraw you from the program. I will stop the remaining payments and lessons and refund any payments you made after the first one, less the cost of any unreturned materials.

Taking Action

So here is an incredible opportunity to make 2011 a pivotal year AND at the same time you will be contributing to helping the flood victims.

To take me up on the offer, please either Click Here to get started straight away, or if you want more info about the program please go to http://simplewealthsteps.com and when you are ready, use the ‘Enrol Now’ link on that web-page; either way, all new subscribers will be included in the flood appeal deal.

What if you do?

Just think about it for a moment. This is a really great offer. You get to make a great donation that also buys you a month of information and activities that on their own are amazing value.

Then for the next eleven months you get loads more power packed information, training tasks, coaching and software to follow it up. However, just say you decide within those next two months that the course is not what I have portrayed it to be (let’s face it, by then you will know if I am sending you life changing material or rubbish), just let me know and you get your second payment refunded (and third if applicable), no questions asked.

Assuming you make it to the end of the program, can you imagine your life in 12 months time? Once you know stuff you can’t ignore it. People sign multi million dollar deals simply because they know what to look for and how to make the deal work. Other people live with financial stress all the time because of what they do not know.

The experience you will get from doing the Simple Wealth Steps program will have you knowing stuff that you won’t be able to ignore. You will be on an exciting journey that all began because you decided to make a contribution to the flood disaster appeal through Simply Budgets.

What if you don’t?

If you are unsure about all of this, the acid test is as follows; if you are happy with where you are heading and you doubt I can help you improve, please keep living your current life.

If you would like to join with me but feel you can’t afford it, that’s a tough one because you’re between a rock and a hard place. All I can say is that people already doing ‘Simple Wealth Steps’ have reported to me that they have found money while they were doing the program. You will never know if you don’t have a go and I’m offering the guarantee to make it easier to decide.

Either way, if you can’t be involved right now, you can always reconsider doing the Simple Wealth Steps program later on, I’m just trying to help raise much needed funds right now in a way that is a win-win situation for everyone.

If you like that concept and want to help me reach my goal of donating $5,000 by February 14^th Click Here and let’s get started straight away.

Back again soon

David Wright

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