Do you run out of cash month after month?

"Finally there's a cure for chronic overspending!"

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The Non-Budget System

Why it's impossible to stick to a conventional budget.
(Good News: there's nothing wrong with you if you tried and failed. The whole concept is a setup to fail!)
Why your attempts at earning extra income often end in disappointment & frustration.
The single requirement you must meet if you ever hope to become financially free.
Three simple steps to put you back in control of your cash.
How to become debt-free in record time:
- Including your mortgage / home loan.
- Without increasing your debt repayments any more than they are right now.
- Without the need for a debt consolidation loan.
- Without cutting up your credit cards.
You'll never be able to cut your time in debt in half without your personal customized Get-Out-of-Debt-Quick plan, only available here!

How quickly & easily can you become debt-free? Sign Up for Free and find out!

What others are saying

"I really enjoyed this very readable book. Lourens has a knack for making quite complex financial matters seem simple and straightforward. Reading it felt like having a chat with a knowledgeable (but never patronizing) friend. I'm confident that anyone concerned about balancing their personal budget will benefit immeasurably from reading and applying this advice."

~ Nick Daws
Freelance Writer & Consultant
www.mywritingblog.com

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FAQ #51 : What's The Non-Budget all about?
FAQ #55 : Is this more of that Law of Attraction B.S. where they just wish for a genie and then the money drops into their lap from heaven?
FAQ #56 : Is this a debt consolidation scheme where you pool all your small debts with high interest into one big debt at lower interest?
FAQ #54 : Getting out of debt quickly without earning more money, and without increasing my debt repayments? It sounds too good to be true. How is that possible?
FAQ #65 : OK, so how do I use the secure online system to master my finances?

What's the biggest problem with personal finances?

"Americans' greatest fear is running out of money during retirement"

~ (Robert Kiyosaki)

Research revealed that 24% of Americans fear terrorism more than anything else. But 60% of Americans fear running out of cash when their working days are over, even more than they fear terrorism!

This got me thinking. If that's what's in the minds of the richest nation in the world, what about the rest of us? We all should be concerned. Very concerned.

But I'm not a fear-monger. Money is an exact science - predictable and repeatable.

Look, if you overspend by $100 every month, then at the end of the year you'd have overspent by $1200, right? There's no guesswork about it, no estimates, no predictions - you won't be $1199 or $1201 deeper in the red, it'll be exactly $1200. No fancy degrees in economics required to figure this out. Just plain ol' elementary school maths.

So here's the thing: If you run out of money month after month, there's just no way you can have more money at the end of the year than you had at the start of the year. NO WAY, ever, right?

So now you've run out of money for a year. Keep that up year after year, and there's just NO WAY you can ever have more money at then end of the decade than you had at the start. NO WAY, ever. You follow me so far?

So if you do this decade after decade, guess what's going to happen at the end of your life?

Your working life is basically 4 decades from age 25 to age 65. That gives you only 480 pay-checks to work with.

If you read this book at age 40, you have only 300 pay-checks left.
If you read this book at age 50, you have only 180 pay-checks left.
If you read this book at age 60, you have only 60 pay-checks left.

That number of pay-checks decreases pretty quickly, huh? Believe me, you do not want to run out of cash after you've run out of pay-checks.

The way to prevent this is to make sure you're in control of your cash on a monthly basis. The months add up to years, the years add up to decades, the decades add up to your life.

It starts by Taking Charge, and it starts Right Here, Right Now!

What's wrong with a good ol' spreadsheet?

Look, if you're a born number cruncher then knock yourself out, manage your finances on a spreadsheet, you probably don't need The Non-Budget System. Spreadsheets are easy to start, they're easy to understand when they're nice and clean. Then you run into a problem:

Either keep it simple, in which case it's not a true and accurate reflection of your monthly spending,
Or keep tweaking and fine-tuning it so it becomes more and more accurate. But believe me, it gets pretty hairy after 12 months of adding in every little detail. You run into a "ceiling of complexity".

You see the problem is that your budget is static but the world out there is dynamic, ever changing. Trying to use a static plan to operate in a dynamic world... that's setting yourself up for failure my friend.

Do you think it's possible to stick to a static budget for even just a year? Do you know how much the world changes in just a year? Can your spending habits still be the same today as they were 12 months ago? (If they are, I seriously feel sorry for you man, wouldn't it be good to experience more variety in your life?)

A second reason is that a conventional budget is too constrictive. We pigeon-hole our money into little boxes, we fence it off into little jail cells - x amount for bills, y amount for food, z amount for clothing.

And then something comes up and we decide to spend more on clothes and less on food, but our money can't move from one little box to another because it's all locked in.

Move our money from one little jail cell to the next, and we break the budget. And then what's the whole point? Why spend all that time planning, and then deviate from your plan when the first unplanned thing comes up in our lives?

Achieving financial freedom by voluntarily checking into a self-created financial prison? I don't think so!

The whole concept is a setup to fail!

The Non-Budget

"Finally there's a cure for chronic overspending!"

Sign Up for your FREE 10-week e-course, and Discover...

What others are saying

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What's wrong with a good ol' spreadsheet?

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