Spend Smart

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Spend Smart

• presented by Dave Ireland

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Spend Smart

• Psychology of Buying
• Goals Setting -- Turning Dreams into a Reality
• Spend Smart Tactic 1 -- Eliminate Your Debt
• Value of a Dollar
• Reverse Budgeting/Seize Your Savings
• Other Powerful Spend Smart Tactics
• The Spend Smart Strategy

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9

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Out of 100 People Reaching 65
Only 4 reach financial freedom.
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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43

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Pavlovs Dog

• Stimulus, Response, and Association
• Advertisers Create Associations
• Insurance Happy Families
• Beer Beautiful Woman
• Trucks Tough Guys

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Spending Personality

• Personality Scoring

Primary Personality - Score 10 - 15 Secondary
Personality - Score 6 - 9 Personality Not
Present - Score 0 - 5
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Deal Quotient Table
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Spend Smart

• presented by Dave Ireland

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27
• Appliances - page 83

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27
• Appliances - page 83
• Reverse Budgeting - page 62

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27
• Appliances - page 83
• Reverse Budgeting - page 62
• Seize Your Savings - page 71

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Critical Spending Issues

• Explosion of ways to spend
• Loss of psychological tie to real money
• Lack of insight to credit card spending
• Inability to compare spending to income in
  real-time
• Inability to save for future expenses
• Lack of training

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Success Achieved

• Manage all your spending in one EASY and
  efficient system
• Know the impact of EVERY spending decision you
  make!
• Know exactly how much you have LEFT to spend!
• Have the information to make YOUR spending
  choices!
• Save for future expenses so you ALWAYS have the
  money!
• Apply sound financial principals to generate a
  PROFIT!

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Money for Life - Financial Fitness University

• Let us give you a free gift for trying the
• Mvelopes System!
• We have created a 5-Day Spending Management
  E-Course called Money for Life - Financial
  Fitness University.
• This powerful new e-course will help you
  understand your spending and achieve True
  Financial Freedom!   
•                                         
• 5 day budgeting e-course- Get an email each
  day for 5 days. Each lesson will walk you through
  a step-by-step
• process to get control of your finances.
• Budgeting e-book- Free 92 page budgeting
  success novel that walks a couple through the
  budgeting process.
• Success Planner e-book- 89 page e-book with
  the "nuts bolts" of what you need to do to get
  your budget started.

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Spend Smart

• presented by Dave Ireland

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Debt Elimination

• Debt 30 of Lifetime Earnings!
• (Taxes 37 to 50)
• Mortgage Interest 20 of Earnings
• Other Credit Interest 10 of Earnings
• 1 Spend Smart Tip Invest In Your Debt
• Using Spend Smart, the Invest In Your Debt System
  can teach you how to be debt-free in 5 to 7
  years, including your mortgage, on your current
  income

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Invest In Your Debt Textbook

• Debt Free Calculator - page 162

When Can I be Debt Free?
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Debt E-Racer Software
Using the Free Debt E-Racer Software will allow
you to

• Compare the results of using different Spend
  Smart Factor amounts.
• Choose from different prioritization methods.
• Run What If Scenarios.
• Determine the impact of lump sum payments.
• Recalculate and stay on track when your
  situation changes.

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27
• Appliances - page 83
• Reverse Budgeting - page 62
• Seize Your Savings - page 71
• Automobiles - page 90

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Spend Smart Insurance

• Average Family Spends 2-5000/year
• You can save more than 1000/year!
• Learn the Spend Smart Laws of Insurance

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27
• Appliances - page 83
• Reverse Budgeting - page 62
• Seize Your Savings - page 71
• Automobiles - page 90
• Insurance - 135

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Spend Smart Insurance Homework

• Raise Your Deductibles
• Drop Full Coverage
• Shop for Insurance

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Spend Smart Textbook

• Why do you want to Spend Smarter? - page 9
• To Succeed with Spend Smart...set Goals - page
  16
• The Psychology of Buying - page 43
• The Value of a Dollar - page 27
• Appliances - page 83
• Reverse Budgeting - page 62
• Seize Your Savings - page 71
• Automobiles - page 90
• Insurance - 135
• Food / Groceries - 112

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The IYD Nine Step Program
The Do-it-Yourself Approach

• Study the Spend Smart Textbook -- Learn How to
  Save Money
• Study the Free Money For Life Financial Fitness
  University Books
  Learn how to set up your Envelopes
• Use the Free Mvelopes Software to set up your
  Reverse Budget Categories --
  Track your spending automatically
• Implement the Reverse Budgeting Tactics
• Make sure one of your Reverse Budgeting
  Categories is a Spend Smart Factor Envelope
  So you can save to Invest In Your Debt.
• Each month, Seize Your Savings and Invest In
  Your Debt -- Just like a 401K Only Better
• Study the Invest In Your Debt Textbook
  
  
  Learn how to personally implement the Linear
  Math, Variable Path Process
  and capture 30 to 40 of your paycheck
• Use the Free Debt E-Racer Software to analyze
  your personal situation
  and find out how
  much money you can save - Optimize your debt
  elimination process
• Take the IYD Webclass Seminar online for Free,
  as often as you want
  Share it with your family and friends
• Call Margie for Help - 888.913.8786

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Get Assistance
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Teach It!
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