Well,if you didn’t know there is real Safe Investing for Dummies, then I’m here to tell you.  Now I’m not outright calling you a dummy.

The truth is you’re pretty smart if you’ve reading this.

So, here I’m going to tell it to you so straight and clear that after you’re finished reading this you won’t have any doubt about it what you must do.  You’ll be ready to take action.  So you might as well stop doubting RIGHT NOW, sit up and pay attention.

I was listening to Dawn talk about her situation.  She was overwhelmed with debt from recent medical bills.   She was busy working two jobs for the last nine years but she had very little saved and nothing invested.  If there was ever someone who needed to take the My WOW 30–Day Challenge to create a plan to eliminate debt and start building wealth, she was the one!

A brief list of all you get in the My WOW 30–Day Challenge is as follows:

• A Chance to Create Your Very Own Personal Finance Budgeting System
• A Safe Investing Individualized Strategy
• A Systemized Method for Confronting and Eliminating Your Debts
• A Wealth Creation System Employed and Endorsed by the Number One Wealth Creation Specialists in the World

But she knew nothing about the My WOW 30–Day Challenge.  All she knew was that she was deep in debt, with NO SAVINGS and NOTHING INVESTED after nine years of WORKING HARD.  Just like many others in America she was busy WORKING HARD.

Can you see yourself in her story?

Well, just like I’m telling you straight, I just had to tell it to her straight.  “You’re working hard but you’re just not working smart!”

She sat up with a shock!  “What do you mean I’m not working smart?”  “I’m working two jobs and paying all my other bills.  I only fell behind when my daughter got sick and had to be hospitalized.”  So I started asking her some real hard questions related to her own Personal Finance Budgeting strategy.

“If you were working hard then why couldn’t you pay at least something on your hospital bills out of your savings or from your investment fund?”

She looked at me with a blank stare!

“How could I possibly even save anything? Ever since my divorce I’ve been struggling on my own to make ends meet? Do you have any idea what that’s like Sir?”

I said, “I sure do and that’s why I’m telling you what I’m telling you.  You’re busy WORKING HARD but you’re not WORKING VERY SMART Because if you were working smart then you would at least have a plan in place for such an emergency.”

But…… I have a brand new program that I’m offering on a brand new site I’ve created called My Well of Wealth. And on that site I’m offering you what I call the My WOW 30–Day Challenge for you to create a plan to eliminate your debt and start building wealth.

By now Dawn was totally frustrated as blurted out “A PLAN?”

“Peter, what are you talking about A PLAN?”

I don’t need a plan!  What I need is simply more money! 

“How can I possibly plan for an emergency on the amount of money I make?”  “How could I even think of investing with so little?” “I barely have enough to keep food on the table and take care of the children.”

I thought to myself it’s amazing how many people are totally ignoring their ability to engage in WISE MONEY MANAGEMENT. They believe that if they simply throw money at their financial problems then they will simply go away.  I quickly retorted, “But if you only get more money then you’ll just rack up MORE DEBT!”

Yes, more money would be helpful and my plan does indeed teach you how to acquire more money, even in this bad economy.

But….. there is another piece to the financial puzzle in these hard economic times you may be facing.

That is called Personal Finance Budgeting and Wise Money Management.

Then, by taking it a step further and implementing some simple strategies I call Safe Investing for Dummies, anybody can be well on their way to financial success!

Dawn started talking again about how hard her life was.  You should have heard her talk and talk and talk.

She related to me all her complaints about everybody in her life.  And she was very sure that they were the cause of her financial demise and woes.

First, it was her boss who docked her pay because she was late for work, and then then it was the government who was charging her high taxes and then it was her landlord who just raised the rent and then her ex-husband who ran up her phone bill and her children who were eating too much food.

So, I just let her talk and while she talked I started looking around the house.  She had a large LCD Digital Flat Panel TV in the living room all complete with the latest and the greatest sound equipment.  There were plenty of brand new DVD’s of the latest and most recent movies.

You could clearly see that between engaging in Personal Finance Budgeting and doing what I call Safe Investing for Dummies, she was totally lost.

Furthermore the room was so well designed and decorated that I just couldn’t help but ask “So who does your interior decorating?”  I interrupted her and she stunningly asked, “What do you mean?”

Well, this house seems to be so well designed and decorated inside that I was just wondering if you hired someone to do it or if you did it yourself!

I was hoping she would say “well I really saved money on my home decor by getting together with some of my best friends and doing it myself.”

But, no she shared with me how she hired the VERY BEST interior designer in the city.  “Did you get a discount?” I asked.  “No discount,” she said.

I could immediately sense Dawn’s growing discomfort.  She was beginning to understand what I was getting at.  But I saw an opening into her mind and I just had to keep on going with the questioning.

“What about the great big electric toy car that your son is playing with?

Was that a gift from grandma and grandpa?

And I just noticed that your oldest Daughter Karen is playing video games on a brand new late model Mac Computer system.”

“Who paid for all that equipment?”

Then suddenly the house phone rang and Dawn picked up one of those sleek cordless digital spread spectrum handsets.  I was intrigued as she spoke to the pizza delivery man.  Saying in an loud unhidden tone that she needed two large pizzas with two jumbo bottles of soda.  The total came to $35.00 and she gave them her credit card.

By now I was clear about what was going on.  I quickly remembered the brand new 2009 Cadillac Escalade parked in her drive way.  And I said to myself, “I’m not letting this woman off the hook!”

She needs to take the My WOW 30–Day Challenge to create a plan to eliminate her debt and start building wealth.

She didn’t know it but she needed a Personal Finance Budgeting Overhaul as well as a wealth building plan that would have her start using the Safe Investing for Dummies strategies.

You may be like Dawn and feel uncomfortable when you are confronted with the truth about your financial situation.  I know and understand.  You will not just naturally enjoy confronting these issues unless you can see a means of clearing up your finances.  Sadly for Dawn she could not see a way of getting out of her debt or putting aside money for savings or investments.

All she saw were the things she wanted to buy.  And boy oh boy did she buy.

When I drilled down further and got to the bottom of her financial picture I found out that she didn’t only owe money for her Daughter’s medical bills but she owed thousands in credit card debt and it didn’t look like she she ever intended to stop spending.

So, I paused her in the midst of her ongoing talk about her problems and invited her to go to my website at My Well of Wealth and sign up for the My WOW 30–Day Challenge.

And guess what, SHE DID! In that very moment Dawn didn’t know it but a new and exciting financial future began for her.

She had finally chosen to take responsibility for her own financial future and do something to reshape her life.  She now did something to TAKE CHARGE of her situation.  I could see she was feeling good about her decision.

I assured her that she would discover her own ability to create and engage in a Personal Finance Budgeting plan that will give control of her spending.

And…. furthermore she would be able to start saving and investing.

Soon she will be able to graduate from the Safe Investing for Dummies Strategies I would teach her to the more powerful and agile Financial Guru Marketing and Investing Program I offer.

So right now I invite you to go to join Dawn and sign up for the My WOW 30–Day Challenge to create a plan to eliminate your debt and start building wealth.  In this program you will be able to generate some quick, easy and powerful results.

Click on the link and sign up now for the first challenge that starts on April 15. 

Trust me when I say “you don’t want to miss this opportunity to create a brand new financial future for yourself!”

The Wealth Creation Specialist

Peter Baptiste

Personal Finance Budgeting

I want you to answer this question and answer it truthfully.

Are you playing the money game without a budget?

Are you pretending that you don’t need to engage in personal finance budgeting?

If you are, then let me tell you right now, you are set up and destined for failure.  I was shocked to find out how many people are pretending that they don’t need to engage in personal finance budgeting.

Let me tell you Darrel’s story.

Darrel worked two jobs and one job on the weekend.  Two during the week and one on the weekend. He was working three jobs in all doing all in his power to make ends meet.  He focused in order to better himself financially and improve his economics on making more money.

But there was zero focus on his old personal finance budgeting.  And so the result is Darrel knew little about how much money he was spending and how much money he was really making.

Can you imagine walking through life not knowing how much it costs you to live?

If this is the scenario your find yourself it, then no wonder you’re broke.  You don’t even know how much it costs you to continue operating day after day. Darrel didn’t know, but he’s not the only one.

There are thousands of people who operate as if it doesn’t matter that they don’t know how much money they spend every day.  These people do not engage in any kind of personal finance budgeting.

My best tips on budgeting are useless for them because they don’t even budget.  Nothing they do can ever dig them out of the financial hole they’re in because they refuse to identify how much money it’s costing them to live day after day. More than that, they refuse to identify how much they owe.

The total and complete failure to look at one’s debt and determine whether or not you’re crawling out of the hole or digging yourself further in the hole will lead to a life of financial failure.

And so I’m here to put a stop to the madness of walking around and operating as if it doesn’t matter that you are not writing out a budget.

It does matter!

Stop pretending that you can build financial wealth and power without engaging in some form of personal finance budgeting. You must learn to do far more than merely engage in personal finance budgeting. You must learn to take advantage of the hot tips on budgeting that I have talked about so much on this blog.

Begin to take inventory of how much debt you have.

Begin to identify where your debts are:

• What do you owe?

• Who do you owe?

• How much do you owe?

Get a hard number.

Write it down.

But then beyond that, identify how much you’re spending everyday.

What does it cost to you to live, to exist on the planet?

What is it taking financially?

Now that you have these numbers identified clear, your mind can go to work to find a solution for how much money you really need.  Now that you know how much you need, you can begin to determine how much extra you want to acquire in order to have something to save.

Finally now, you’re on the pathway to developing a powerful financial future. It all begins by you be willing to engage in the task of personal finance budgeting.

I’ve got two exciting opportunities right now to share with you in this post, something that will help you as you start to engage in personal finance budgeting:

• First, I’ve got some phenomenal tools on the My Well of Wealth website. They’re underneath the tab or the menu item that says financial calculators: three financial calculators. Just click on that link, and you’ll be able to access some wonderful and amazing powerful tools that will help you calculate all kinds of aspects of your budget.

• Second, I’ve got a brand new My Well of Wealth 30-Day Challenge. I call it the My Wow 30-Day Challenge to create a plan to eliminate your debts and start building wealth. You can go to the blog, click on the link at the top right that says take the 30-Day Challenge, and sign up to take the next 30-Day Challenge.

This will allow you to go through some powerful lessons that will help you create a plan to eliminate your debt and start building wealth.

Included in those plans, or those lessons, you will find out additional tips and templates on how to create your very own personal finance budgeting tools, and how to start implementing personal finance budgeting in your life.

This alone will dramatically turn your financial life around, a strong financial future.

The Wealth Creation Specialist

Peter Batiste

I’m sure you’ve heard it before.  Make sure you write down whatever your goals are for your future.  Donald and Kathy had heard this over and over again from various different sources. But do you think they listened? NO! Do you know what they missed out on? They missed out on real clear experiential understanding of the power of using budget worksheets in your life.  Think of it in terms of what you will miss by not writing your very own future financial plans written down.

• A Road map –  Have a clear and visible plan for your future
• A Designed Life – A chance to live a life they designed and planned out financially
• Definitiveness and certainty – Less uncertainty and more clarity concerning how much money you have

And so their financial goals simply remained a dream, a wish, a hope and a dream that floated around in their own personal head space.  It never became reality because they refused to take the steps to make it so.  Eventually they simply failed to take advantage of opportunities they would have seen and pounced on had they kept ever before them a plan for financial action.

Whatever you do I strongly urge you not to let this happen to you! Later on they were financially stuck and in foreclosure and wondering why their life led them away from their financial goals and not towards them.  In every area of their life it was clear they were moving away from their aspirations and not towards them.

Is this your challenge right now? Are you wondering what Donald and Kathy were wondering? Why has my life led me away from my financial goals and not towards them? In every way you are clear that you are trying so hard to get up.  But now finally you throw up your hands in despair and ask “Why?” What is going on?”

Well, I have some timely answers for you.  It is not enough to dream about a powerful financial future and hope for it.  You must begin to write it down.  You must start out by establishing a budget. Are you ready to begin?

I strongly recommend you get started by acquiring some Printable Budget Worksheets. Begin now to live your life with a more powerful relationship to your money by developing Printable Budget Worksheets that can help you produce dramatic results.  These worksheets will help you get from where you are to where you want to go. If you really take on creating and implementing printable budget worksheets into your life then how would your life be different? Have you even imagined living a life where you have less surprises? Have you thought of a living a life where things don’t catch you by surprise anymore?

Well, guess what! I have some really really great news.  Not only am I offering you an opportunity to get your very own printable budget worksheets all rolled into one at My Well of Wealth, but you will also get a chance to participate in the My WOW 30-Day Challenge.

The My WOW 30–Day Challenge offers you an opportunity to create a plan to eliminate your debt and start building wealth. Inside this plan you will be powerfully coached on how to create and use your Printable Budget Worksheets. You want the advantage of having these Printable Budget Worksheets so you can place them on the wall of your office, or the wall of your bedroom, or in the bathroom or on the fridge.

You will have before you your very own financial plan that includes the best way to invest money for you! Now finally you will have a powerful but simple way of keeping your financial design and plan for your future ever before your mind.  As you pass from room to room throughout your day you will be able to see and read this financial design for yourself.

So sign up and take the My WOW 30-Day Challenge and create the financial future you desire by design.

Peter Baptiste The Wealth Creation Specialist

John really wanted to grow himself into financial stability, independence and abundance.  But, he knew nothing about budgeting and he literally knew nothing about his own personal finance situation.

All he did was go to work, come home then give the paycheck to his wife.  And all she ever did was fill out a deposit slip and give it to the back.  And since all their bills were set up on automatic debit then they would come out without any hiccup right.

Wrong!

Eventually, when John found himself stuck he had no idea why he was stuck.

He didn’t know where he was going financially.  All he seemed to be doing day in and day out was work, work, work and his wife seemed to spend, spend and spend.

He never knew his life would turn out to be so hard, monotonous and mundane.

I had  a simple conversation with John in which I shared with him the secret to acquiring the best tips on budgeting.  By implementing a few simple but powerful and easy steps his life began changing dramatically.

If you don’t know the best Tips on Budgeting then you’re really missing out.  I think you owe it to yourself to take advantage of this free but unique knowledge.

At the “My Well of Wealth” site we offer these simple but powerful concepts that give you an advantage.  Participate in the My WOW 30–Day Challenge to Eliminate your Debts and Start building wealth.

Once you sign up for the FREE, My Well Of Wealth 30–Day Challenge you will get a chance to access a world of high quality information on how to establish a workable and powerful plan for yourself to eliminate your debts and start building wealth.  Inside that plan you will become a complete master at preparing your budget and sticking to it.

Do you have any idea what will happen for you once you being to implement these powerful but simple Tips on Budgeting in your personal finances?

Well, let me tell you briefly what is possible for you:

• You will recognize for the first time how much money you owe.
• You will see how much you are spending monthly
• You will identify exactly how much money you really need versus how much money you think you need
• Discovering new and innovative ways to save money will be a total blast for you
• You will begin to verbalize possibly for the first time how much money you would really like to make per month and start creating a plan to generate that extra amount

All of this can become a reality for you once you really start taking budgeting seriously.  That’s why I’ve included so much beneficial information for you on the Best Tips On Budgeting. Budgeting is one of the essential key ingredients for you to get the kind of powerful relationship with your finances that you really need.

The My Well of Wealth 30–Day Challenge will provide you with a powerful opportunity to turn any financial situation you’re facing right now around.  You will learn about you relationship to money and actually start to shift that relationship to being one that is very effective.

You will get the results you want by having the courage to ask the right questions and formulate a budget that will really work for you.

Reserve your spot today, time to action and stop pondering what if and what could be.

Don’t you think you and your family deserve the very best?

The Wealth Creation Specialist

Peter Baptiste

I hear you swearing up and down that you don’t need a budget.  You’re prepared to tell me with a straight face that you know exactly where all your money goes month after month and you simply don’t need to have it all written down somewhere. I get it. You just keep track of it all in your head.  But….

then you’re still wondering why you have “NO MONEY”. Well, that’s exactly the way I used to do it. Until one day I did something that gave me the shock of my life. Well, I actually didn’t do it for just one day but I did it for a whole month.  Boy, was my mind totally blown by what I found out. Actually I’m not only going to tell you what I did but I’m going to dare you to do it for yourself. Then I’m going to offer you access to my free printable budget worksheets. By making it printable you will be able to stick it up on your fridge or somewhere you will always see it.  They will help you get started on your road to recovery after your mind gets totally blown. So, here it is:

• Write down and track every single penny that comes in and goes out  of your wallet every single month.  “Did you say every penny”? Yes, I said every penny.
  • That’s because you need to start becoming aware of exactly how much money you are receiving and how much money you’re spending
• Then after one entire month I want you to take the total you spent on just one item that you yourself deem unnecessary for that month.
  • Multiply it by 12 because there are 12 months in one year and then multiply it by five for a total of five years.

Needless to say it will shock you to realize just how much money that adds up to.  And that’s good because I want it to shock you and know you back down in your seat. Let me ask you a painful question? “Could you use that extra money today to pay some bills”? “Could you use that extra money today to invest”? “What if you had that money today would you be able to take a trip somewhere to visit a special friend”? “What would you be able to do to enhance your life if that money was yours”? Now hold on a minute and imagine having that money along with all the interest it would have made you over the last 3 to 5 years. Are you beginning to see the big picture? You must be if you’re still reading this. Without having a budget to keep track of your spending you will naturally end up lost financially.  It is like going into the woods without a compass or sailing on the ocean with a GPS System or the knowledge of the stars.

But you need to get a system that will enable you to gain control of those very small and minute expenses in your life. That’s why I’ve installed on this site My Well of Wealth a series of powerful and useful tools from “Free Printable Budget Worksheets” to a “Free Financial Calculator”. Trust me you don’t want to be without these tools. When you sign up for the MY WOW 30–Day Challenge to eliminate your debts and start building wealth you will be able to access these tools for free. Now, with the right tools in place you will be able to get control of the small expenses that you may think really don’t matter at all to the overall scheme of your life. This will be the beginning of your financial success.  By making your monthly expenses visible using the free printable budget worksheets I’ll provide you with you will actually begin to pull out all your hidden expenses. You will finally begin to see how the little debts you have add up.  The tiny little things you spend money on really do matter.  You will see ways to save and find new options to cut spending.  All this will become possible for you once you begin to utilize the simple budgeting tools made available at my My Well of Wealth. Instead of living life on a whim and not planning for your spending you can start planning and preparing for your life.  You will be empowered to do what it takes to start living life powerfully and with confidence in the area of your money. The MY WOW 30–Day Challenge will provide you with a tremendous opportunity to not just start budgeting and using the right tools.  You will get a chance to actually create a plan within 30 days to eliminate your debts and start building wealth. Sign Up today and start a powerful new financially prosperous life. Your Wealth Creation Specialist Peter Baptiste