Help Me With Money:
How to Find, Make, or Save Money in 30 Days
By Pete Walkey
Copyright 2012 Pete Walkey
Smashwords Edition
This ebook is licensed for your personal enjoyment only. This ebook may not be re-sold or given away to other people. If you would like to share this book with another person,please purchase an additional copy for each recipient. If you’re reading this book and did not purchase it, or it was not purchased for your use only, then please return toSmashwords.com and purchase your own copy. Thank you for respecting the hard work of this author.
Table of Contents
What You Should Know About Solving Money Problems
Clearly Identify Your Money Problems
Understanding the Reality of Your Situation
The Basics of Successful Money Management
How to Find Money and Increase Your Income
How Insiders Deal with Creditors and Service Providers,
Credit Card Companies, Banks and Mortgage Companies
Creating Your Action Plan and Prioritized To Do List
Introduction
If you are having financial difficulties-overdue bills, credit card debt, little or no savings, then this book is for you. In it you will find many valuable ideas to find money, make additional money, save, and budget your money.
Many people having financial difficulties try to fix their problems themselves. Others don’t have the time or the skills to get themselves out of their mess. Financial advisors help them identify and solve their most difficult circumstances, then show them how to manage and control their money.
It doesn’t make any difference what your income level or background is. You could earn minimum wage or over $100,000 per year. You could be a high school dropout, a college graduate, or have advanced degrees. It doesn’t even matter what type of money problems you are having. If you have the desire to solve your money problems once and for all, you will find everything you need to know here.
The guidance provided in this book is addressed directly to the people who are having financial difficulties. But the techniques and ideas detailed in these pages apply equally to those who are not having money problems, but want to get better at finding, making, saving or budgeting their money.
Anyone looking to improve their financial situation will find that the ideas, advice and instructions in this book apply to them, too. The same principles that help people get out the worst financial difficulties hold true for taking them to the next level of successful financial management. No matter what your current financial situation, it can always improve.
I have spent over fifteen years as a personal financial advisor, specializing in helping people in financial crisis. I’ve helped hundreds of people get out of thousands of difficult circumstances. I’ve also spent many hours discussing how to help people in financial crisis with knowledgeable advisors and financial professionals. These experiences helped me pinpoint pitfalls that can doom a person’s ability to recover financially. They also showed me how you can use the techniques to become very good with your money to the point of being able to help others.
In the following pages I’ve distilled all of this information into a simple program that will get you, step by step, out of your financial difficulties, and bring you to a place of financial peace and strength.
Chapter one shows you what you need to know about solving your money problems.
Chapter two explains how to identify the root cause of your financial problems.
Chapter three helps you clearly understand the reality of your situation.
Chapter four guides you through the basic components of successful money management, from how to set up an emergency fund, to how to budget and save money.
Chapter five reveals thirty-five places to find money, and shows you ways to increase your income.
Chapter six gives an overview of how insiders deal with creditors and service providers; credit card companies, mortgage companies, banks, utility companies and cell phone providers.
Chapter seven helps you create an action plan and prioritized to-do list.
I recently helped a family find $2,500 and increased their take-home pay by $500 per month. We sat down and went through the exact procedures described in this book. They were able to avoid foreclosure of their home, get their past due bills current, and set up an emergency fund. They are currently enjoying their kids in a stress free environment.
Now it’s your turn!
Chapter One
What You Should Know About Solving Money Problems
1.1 It’s Easy, Its Rewarding-You Can Do It!
Solving money problems is easy. It is very rewarding, and you can do it.
People are always in search of ways to improve their finances. Whether you are broke and unemployed or have $300,000 in the bank, most people want to improve their financial situation. That keeps financial advisors in constant demand. After working through thousands of difficult situations, solving money problems is easy, but people often make it harder than it needs to be.
Solving another person’s money problems is rewarding. Solving your own money problems is even more rewarding. You will walk away knowing that you accomplished something few people do-figuring out how to solve a difficult financial problem, taking action, then getting results.
There are other rewards from solving your money problems. There’s the personal satisfaction that comes from helping yourself. There’s also the ability to help those around you with their money problems.
Let’s get back to the part about solving money problems being easy. I’m not joking. Solving your money problems might sound like a lot of work. In fact for some people it is a lot of work. But it doesn’t have to be.
When it comes to solving money problems, the old adage “work smarter not harder” holds true. Why make it hard on yourself? Smart people (in this case, lazy equals smart) have learned you don’t have to strain to solve your money problems. They don’t have to go out and get a second job. They don’t have to stop spending money on fun things, like eating out or going to movies. They don’t have to get rid of cable or cell phones. They take the low road, using tricks, secrets, and shortcuts to solve their financial difficulties in half the time.
I have taken all those tricks, secrets and shortcuts and turned them into a system that makes solving financial problems a breeze. By breaking down each aspect of financial difficulties-from identifying your specific problems to finding money quickly-into a series of steps, I’ve made it so easy; you’ll actually have fun along the way. Best yet, as you complete each step, you acquire the skills you’ll use in later sections of this book to solve even more money difficulties. By the time you reach the end, you will have acquired all the skills you need to solve any financial difficulty you have.
I’m also going to show you how to find money to save-so you won’t rack up any more credit card debt for emergencies. That’s right-help you find money that you didn’t know was there. A key strategy in this program is finding money so you can get caught up on bills, pay down credit cards and just have more money than bills each month. The focus is on taking you step by step, through this process of finding hidden money.
1.2 Twenty-One Skills You Will Learn from Reading This Book
I’m not kidding. Follow every step of my program and long before it’s over you will have developed the twenty-one key skills needed to solve any money problem:
Clearly identifying your specific financial problems
Understanding the reality of your situation
Developing an action plan and prioritized to-do list
Effectively dealing with mortgage companies and landlords
Dealing with credit card companies, banks, and other creditors
Working with cell phone providers, cable companies, and utility companies
Creating an emergency fund
Developing a budget
Lowering your monthly bills and payments
Finding hidden money
Saving regularly from every paycheck-painlessly
Increasing your income
Developing several sources of income
Controlling your money
Creative ways experts save money in specific situations
Understanding the basics of successful money management
Getting people and organizations to give you money
Developing strategies to prevent future money problems
Understanding how to help others with their money problems
You’ll have learned more than double this by the time you’re through with this book.
1.3 Why Most Money Problems Are Alike
Although different money problems might seem drastically different, the financial experts know the basics are the same. Money problems produce similar emotions, feelings and reactions. They boil down to five basic causes:
Spending more money than you make
Not having money saved for emergencies
Not paying yourself first
Borrowing more than you can afford
Spending money you don’t have
Even if you have read other books on personal finance and done other programs, you will find this book an invaluable resource. That’s because solving money problems is a unique skill. This book was written to guide you through solving your immediate money problems and teaching you new skills and attitudes-rather than just telling what you’ve done wrong, or what you should be doing.
Different as they are from other problems, money problems are very similar to each other. It doesn’t really matter whether your problem is spending or saving when it comes to following the correct rules to solve them. The mechanics of identifying the problem, understanding the reality of your situation, developing an action plan, budgeting your money and finding and saving money are the same. The only difference between money problems lies in their focus: Saving problems provide people opportunities to increase peace of mind each paycheck; spending problems provide opportunities to redirect sloppy spending to things that really matter.
1.4 How This Book Will Help You
Financial advisors estimate that eight out of ten people have financial difficulties that cause them stress, anxiety, worry and loss of joy or happiness. All of these people are good people-fathers, mothers, husbands, wives, friends, family, co-workers, and neighbors. They suffer silently because they don’t know how to fix their financial problems, and are too embarrassed to get help, or don’t know where to get help.