BOOK RELEASE!!!
I am FIRED UP to announce that today, January 20th, my first book, I Was Broke. Now I'm Not., is officially released!
In this book, I share how my family stopped being broke and won with money. While telling my family's story, I teach the actual tools that we used and still use to this day!
More than anything else, this is a book of HOPE. I know that you CAN do this! I know that you CAN win with money! I know that you do not have to be a straight-A student to win with money (that's really good news for me!).
You CAN break free of financial bondage and win with money. This book was written to show you HOW to do so in a PRACTICAL way!
If you are looking for theory or philosophy, this is the wrong book. If you are looking for immediate help to take your finances to the next level, this is the right book!
You can PURCHASE YOUR COPY HERE!
To all who are on this crusade with me, thank you for being a part of it! This book is yet another tool we can use to accomplish my life's passion – that is to enable others to accomplish far more than they ever thought possible with their personal finances. Why is that my life's passion? Because when people are financially-free, they are freed up to go do EXACTLY what they have been put on this earth to do!!!
Want to read the INTRODUCTION? You can read it HERE!
That, my friends, is what it is all about. People doing what they were made to do!
Read recent posts by Joe
Book Release – FIVE days and counting!
Save Money For Next Christmas – Part 4
In this series, we are learning how to ensure we pay cash for next Christmas!
Step 1 Determine how much money you want for Christmas next year
The goal in this step is to use the Mini-Budget Form (Excel) to determine the amount of money that you want for next year's Christmas.
Step 2 Save EVERY month for Christmas next year
By saving for Christmas every single month of the year, you can really lighten the financial burden that is regularly felt in November and December's budget!
By making your savings automatic, you help ensure that you stick to you savings plan!
Step 4 When Christmas shows up, pull your savings out in cash
You have done great! You have planned your spending and actually saved up the money! Now, it is Christmas time. There is one more hurdle to jump – sticking to your spending plan! I highly recommend that you use the cash envelope method. Why? Because when you spend cash, it is IMPOSSIBLE for you to spend more than you planned! It is the ultimate accountability! When you run out of cash, you are done!
I have found that when I spend cash, I am much more frugal and I usually end up getting a lot better deal than if I would have paid with a credit card. Why? I really can't explain it. I think it has to do with the fact that I am less impulsive and that means I think longer before making the purchase.
Well, that is it! That is how I have managed to pay cash for Christmas every single year starting in 2003. Here's to you having an all-cash, debt-free Christmas next year!
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Save Money For Next Christmas – Part 3
In this series, we are learning how to ensure we pay cash for next Christmas!
Step 1 Determine how much money you want for Christmas next year
The goal in this step is to use the Mini-Budget Form (Excel) to determine the amount of money that you want for next year’s Christmas.
Step 2 Save EVERY month for Christmas next year
By saving for Christmas every single month of the year, you can really lighten the financial burden that is regularly felt in November and December’s budget!
Step 3 Make it AUTOMATIC!
Anyone who has ever participated in a Christmas Club savings account KNOWS how great it is to have the savings be AUTOMATIC! When you make anything automatic, it helps you stick to it. If you automatically go to gym every morning, you will stay in shape. If you automatically read your newspaper every morning, you will stay informed. If you automatically SAVE, you will pay cash for Christmas!
One reason I regularly promote Capital One 360 Savings Accounts is because of their great interest rates with no minimum balance. Another reason is these accounts have a feature that allows you to AUTOMATICALLY draft your bank account at a set frequency. You can set it to draft your account monthly, weekly, bi-weekly, semi-monthly, or any other frequency you choose. You have determined the amount you need to save for next year’s Christmas. Now why not set up a bank account to keep you on course? If your bank pays competitive interest, you should contact them to have an automatic draft set up.
Save Money For Next Christmas – Part 2
This is the latest series brought to you by www.JosephSangl.com!
The goal of THIS SERIES is to equip you to pay CASH for next Christmas!
Step 1 Determine how much money you want for Christmas next year
The goal in this step is to use the [download#3#nohits] to determine the amount of money that you want for next year's Christmas.
Step 2 Save EVERY month for Christmas next year
You know the amount that you need for next Christmas! Congratulations! You have taken a HUGE first step toward being able to have a debt-free Christmas next year! Now, you need to save that amount! Jenn and I save 1/12th of our Christmas every single month. If our Christmas savings needs to be $1,000, we would save $83.33 every single month.
By saving every month, we really reduce the impact that Christmas has on our November and December budgets. In fact, it allows us to actually ENJOY spending money for Christmas because we are not worried about how we are going to pay off our credit cards!
Here is a chart to help you determine the amount to save each month.
