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QUICK NOTE: The Ebook is updated and organized compared to this long post.

We all have been through financial hardship, at some level. Many don’t know what steps to take to get out.

Schools won’t teach you
Your broke friends you hang around can’t help you
Majority of the world doesn’t care about your problems.
Your current state of mind has brought you HERE.
The choices YOU made up until this point are the harvest of your past decisions.

I ask you to turn around from this dangerous financial path you’ve been thrown into and learn the most simplest money management blueprint to expand your finances and cease the struggle within your life and those around you.

YOU OWE THIS OPPORTUNITY TO YOURSELF.

Most would charge you a lot of money for this but I am willing to bring this to you for free because I am sick of seeing my fellow man/woman struggle. YOU GOT THIS.

Quick Note: I have purposely styled the writing as if I am speaking to you to prevent information overload.

GRAB A NOTEPAD, A PEN & SOME LEMON WATER TO SIP ON – Really long post

DO NOT BE STUBBORN LIKE I WAS WHEN SOMEONE WAS TEACHING ME ABOUT MONEY. DO NOT JUST IGNORE THIS.

IF YOU ARE STRUGGLING – TAKE HEED! I DON’T CARE IF ALL YOU HAVE IS A DOLLAR. THIS WILL WORK IF YOU STICK TO THIS BLUEPRINT I’VE CREATED.

We will begin this money management lesson by first knowing the real meaning of money management. Many believe it is to manage money, not exactly.

Etymology -> Money/Monoie/Monnaie — a medium of exchange; its a form of currency/currens/currere/corant – flow of electrical force

Money is a medium of exchange of an electrical force

Remember! Everything carries energy, both organic living souls like you & I. And inanimate objects like money.

Management is two words. Manage is to proceed from ignorance or carelessness. Ment is derived from latin which means mind.

In actuality, Money Management is a medium of exchange of an electrical force that flows from ignorance and/or carelessness of the mind.

So let us proceed

How many accounts do you have?
How many empty glass jars do you have?
The minimum you will need is 7.

DONT START BICKERING….GET OUT THAT OLD MINDSET AND BUILD FOR a new(ANU) YOU.

THIS WILL TEACH YOU TO BE MORE OF A PRODUCER THAN A CONSUMER…UNLESS YOU ENJOY BEING LIKE MAJORITY OF CONSUMERS…JUST GETTING BY…

I’ll explain why you need a minimum of 7 and each account’s/jar’s purpose…

The minimum is set to 7 because I have it set up in a way for those who have their own business or have a job and want to build money so they can support their own business as they work until they become self-reliant in their business without money ever being an issue.

Managing money requires you to give your money a purpose for its growth & utilization in that area. Your money cant grow without one. Trust me! I been stubborn and tried it the consumer’s way and it does not work…

If your money’s soul purpose is for you to spend it, then you will receive majority of the world’s results – STRUGGLE.

You wouldn’t plant all your seeds in one hole in the ground and hope for the best…

I suggest you get 7 accounts/jars. You can mix it up if you want. Some accounts, some jars. It’s solely up to you. It just have to be a minimum of 7.

I encourage you to give your accounts/jars nicknames for knowing which one is which.

Now if you decide to go the Jar only route. Label each jar

Your 7 accounts/jars will be labelled:
1) Food Expense (FE as nickname)
2) Bill Expense (BE as nickname)
3) Donation (DN as nickname)
4) Self Reward (SR as nickname)
5) Self Growth (SG as nickname)
6) Net Worth (NW as nickname)
7) Financial Freedom (FF as nickname)

1.) Food Expense (FE) purpose is so you know how much you are allowed to spend in a day on food without going broke. This account helps build self-discipline and good habit to stray from gluttonous ways.

This account/jar is a fixed expense (an amount that does not change). We will have 3 options set, but the goal is to be balanced and stay in Balanced Case Scenario.
(See Food Expense Picture Example)

It’s time to ask yourself a question & answer to yourself with honesty or this won’t work.

****How much do you spend on food in 1 day?****

Think about it. Write it all down if you have too.

I want you to look at all your transactions the past month or two & see the most you spent on food in 1 day. Write out the number. Now look for the least and write out that number.

Your food expense will be dealt with in three ways:
1) Greatest Case Scenario (GCS)
2) Balanced Case Scenario (BCS)
3) Worst Case Scenario (WCS)

Your Greatest Case Scenario (GCS) will be for when your income is great and you can afford to buy a little extra without worry. This would be on those good months..

Balanced Case Scenario(BCS) is where your self-discipline line is. This is where you are not buying too much or too little. You can comfortably live when it comes to purchasing food. This is where you want to be at. Any extra money left over can either be rolled over or transferred to another account/jar.

Worst Case Scenario(WCS) is when your money is constantly low & you are just getting by. When you are here you may have to make the sacrifice and fast some days so your money can return back to a balanced state.

Food Expense example picture contains a template of my own food expense using Greatest Case Scenario, Balanced Case Scenario & Worst Case Scenario
(copy of template below)

FOOD EXPENSE TEMPLATE
FE(Food Expenses) – Deduct before managing
$700 mo | $350 2 wks | $175 wk | $25 day Food GCS
$420 mo | $210 2 wks | $105 wk | $15 day Food BCS
$280 mo | $140 2 wks | $70 wk | $10 day Food WCS

The numbers you see in my template above are set up as monthly, bi-weekly, weekly, then daily.

Lets proceed to the next account.

2) Bill Expense (BE) is also a fixed expense. Its purpose is so you do not spend money that helps with your necessities like rent, electricity, internet, cell phone, etc.

Bill expense is simple.
You take all your bills, add them up until you reach a total.
Take your total from your (BE) Bill Expense & divide it by 2.
This will let you know how much you will put in your BE account on a bi-weekly basis.
Divide by 4 if its every week

Example: All your bills equal $1,300 per month.

$1,300 / 2 = $650 every 2 weeks
$1,300 / 4 = $325 per week
$325 / 7 = $46.42 per day

(Blank Bill Expense Template Below)

BE(Bill Expenses) – Deduct Before Managing
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bills Total Line

VERY IMPORTANT NOTE: IF YOUR BILLS ARE HIGHER THAN YOUR INCOME THEN YOU NEED TO REMOVE SAID SERVICE(BILL) FROM YOUR REPERTOIRE BY CANCELLING THAT PARTICULAR SERVICE. YOUR BILLS SHOULD NEVER BE HIGHER OR EVEN HALF OF YOUR MONTHLY INCOME.

================================

The next 5 accounts/jars are percentage base.

Percentage base accounts are after you’ve deducted your income for your food & bill expenses. You will take what’s left of your income/profits & allocate based on percentages set.

Lets go through each of the five accounts purpose and how to percentage it properly for your own life. All 5 accounts will add to 100% so make sure it equals to 100% all together.

Once you decided a percentage amount for each account/jar. Make sure you have the percentage written next to the label if its a jar or in a template(will be given down below). The percentage you will see in the template is what the default percentages is set too. If you are okay with that then start there. If you dont like it that way, change it to your liking.

3) Donation(DN) account’s purpose is to give back unto others in whatever form you deem fit. You want to be able to receive openly? Then one must learn how to give openly. Start by giving from the heart because we know how the universe works when one is willing to give.

Donation(DN) account/jar is a percentage base account/jar. Default percentage for this account will be set at 13%. Choose your percentage from 1 to 13%. It’s solely up to you how much you are willing to give. Remember! From the heart, any amount you choose is between you and The Most Highs. No matter, big or small its the love within the giving that matters.

Side Note: based off the percentage you choose for Donation(DN) account/jar. You will offset it from your Self Growth Account(SG) percentage.

Why that particular account? This will actually help the mind from wanting to buy unnecessary items. Your Self Growth (SG) account is your out and about expense account so this little technique is beneficial to you becoming more of a producer rather than a consumer.

Example: Donation default percentage base is set to 13% of your income AFTER Food & Bill Expenses has been deducted. Self growth default setting was 35% but would go down to 22%. Innerstand? Lets proceed!

4) Self Reward (SR) account’s purpose is to reward yourself for disciplining yourself for maintaining your money. This account is crucial to sustaining your new habit by giving balance on the side of you that likes to buy nice things.

THERE IS A CATCH

You are only allowed to reward yourself once a month from your Self Reward (SR) account and when you do, you must spend ALL of the money within this account.

Let me explain.

You’ve been taught to be a consumer for so long that you can’t help but to spend your money when you get some, so to keep balance with consuming and producing. This account will take care of any spending urges you may have.

Your Self Reward (SR) account default setting will be 15% of your income after FE(food expense) & BE(bill expense) deductions.

Side Note: Full Money Management Template will be give after explanation of each account.

LETS PROCEED ON

5) Self-Growth (SG) account purpose is for all your expenses that help you grow from hygiene supplies, taking care of mailing non-business related stuff out, buying stuff to clean the house with, etc. Your out and about expenses that ARE NEEDED not wanted will be dealt with this account.

With an SG (Self-Growth) Account for daily expenses outside of food. The default percentage is set to 22 percent.

Remember what I said earlier in the post, “based off the percentage you choose for Donation account/jar. You will offset it from your Self Growth Account percentage.

Example: Donation default percentage base is set to 13% of your income AFTER Food & Bill Expenses has been deducted. Self growth default setting was 35% but would go down to 22%. Innerstand?”

CHOOSE WISELY!

6) Net Worth (NW) account has two main purposes & an emergency purpose:

1| To know your financial worth for you alone to track your progress which will also show the universe how much you are able to sustain and handle with ease.

2| Invest in your own business. Let me explain.

Your net worth account will be the account you use to invest in your business to produce an ROI(Return of Investment). When you receive an ROI. All profits will go through the money management process.

This will be like your second income if you are making proper investments.

Example: You invest $500 on paid marketing on one of your products. Your ROI is $500 which is actually $1000 but your $500 gets return back to the account and you profited $500(income) take that same money you used to invest in what your passionate about. This way your money is making you money while you are building your money up on all fronts.

This is called when your money is working for you versus you working for your money.

Investing in your business like paid marketing, email marketing, social media marketing, investing in another business to return a profit are a few examples of what you can do with this money.

3| Emergency purpose is when unforeseen things happen and you need funds right away. This will also help as your emergency fund.

The default percentage base for your Net Worth (NW) Account will be set to 15%.

7) Financial Freedom (FF) account purpose is for business expenses. This account is here to help pay for inventory and all business related items. The goal is to have you be self-reliant and have your own business.

This account default percentage setting is 35%.

BONUS ACTION(optional): Whether you are using accounts or jars. If you want to go above and beyond:
Grab a jar
Label it “Spare Change”
Take whatever spare change lying around and put it into this jar. Now the universe will see how serious you are.

Now I will provide you with an example along with a template for you to utilize within this example.

I will be acting as if my income is $1050 every two weeks using the balanced food expense scenario on a bi-weekly basis and with a bill expense of $400 bi-weekly. All donations will be sent out on second bi-weekly(end of the month). This example is set up as if one has a job but you will see how you will be able to double your money and ease out that job fast and into your business FULLY SUSTAINED.

TEMPLATE AND EXAMPLE
FE(Food Expenses) – Deduct before managing
$700 mo | $350 2 wks | $175 wk | $25 day Food GCS
$420 mo | $210 2 wks | $105 wk | $15 day Food BCS
$280 mo | $140 2 wks | $70 wk | $10 day Food WCS

BE(Bill Expenses) – Deduct Before Managing
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bill Name
$0 mo | $0 2 wks | $0 wk | Bills Total Line

(FE[Food Expense])
(BE[Bill Expense])
(TLC.D[TLC Donation] 13%)
(SR[Self Reward] 15%)
(NW[Net Worth] 15%)
(SG[Self-Growth] 22%)
(FF[Financial Freedom] 35%)
Optional Bonus Jar | (SC[Spare Change])

September 5, 2015
Income | $1050
FE – $420 mo | $210 2 wks | $105 wk | $15 day
BE – $800 mo | $400 2 wks | $200 wk | $28.57 day
AFE(After Fixed Expenses) – $440
DN – $57.20
SR- $66
NW – $66
SG – $96.80
FF – $154
TOTAL NET WORTH = $440

September 19, 2015
Income | $1050
FE – $420 mo | $210 2 wks | $105 wk | $15 day
BE – $800 mo | $400 2 wks | $200 wk | $28.57 day
AFE(After Fixed Expenses) – $440
TLC.D – $57.20 + $57.20 = $114.40
SR- $66 + $66 = $132
NW – $66 + $66 = $132
SG – $96.80 + $96.80 = $193.60
FF – $154 + $154 = $308
TOTAL NET WORTH = $880

You see how the money doubles if you didn’t touch it and you still got money to feed yourself? As you manage your money. You will literally enjoy managing your money or as you can call it, “managing your financial garden”.

I encourage you to implement this into your life, also share this life changing money management blueprint to anyone you know who have money problems or even purchases top ramen.

OR NOT

THE CHOICE IS ALWAYS YOURS!

SUCCESS SECRETS
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