What if your budget actually worked FOR you and not against you?
What if that same budget could help you achieve your most important financial goals and help you achieve financial freedom?
Well, I'm here to let you in on a little secret: your budget can do just that.
Now, I imagine you're laughing right now, but I'm being completely honest with you. It's 100% true.
Now it's time for YOU to be honest.
Have you said any of these things before?
"I've tried budgeting before, but an unexpected expense always gets me off track. Just when I think I'm getting ahead, I'm right back to square one. I just don't know what I'm doing wrong."
"Budgeting is too restricting. I feel like I can't do anything anymore. You only live once, so I might as well spend all of my money on the fun stuff. Things will work out one day."
"I just don't have time to budget. There's too much going on in my life and I'll get to it when I have more time."
"Things will be better once I make more money (or win the lottery, or get that inheritance, etc.). That money will solve all of my problems and managing money will be much easier."
"I've done well so far and have no debt, so I don't see the need for a budget right now. I'll make adjustments later if I have to."
Is your jaw on the floor right now?
Are you muttering to yourself, "How does he know that's what I've been saying to myself?"
Well, it's because I've heard almost every excuse in the book and quite frankly, every single one of those quotes above are lies.
Check out the sample lesson below and find out why.
Over the course of a year, I meet one-on-one with approximately 300 individuals and families to talk about their personal finances.
Can you guess how many of them LOVE budgeting?
You guessed it.....ZERO!
I've heard all of the grumbles...
- "It's too restricting."
- "An unexpected expense always gets me off track"
- "It takes too much time"
- "I can't get my significant other on board"
- "Things will be fine once I get that raise/win the lottery/etc."
I imagine you're no different.
Budgeting isn't fun. But you know it's necessary.
It's a crucial part of a sound financial plan.
Whether you make $25,000 or $250,000 per year, you can easily spend it all if you're not careful.
But how can you build a budget you'll stick with, while avoiding all of the grumbles I've already mentioned?
Well, that brings me to why you're here.
I want to teach you how to build a better budget. One that will catapult you toward financial freedom.
In this course, I'm going to show you how to....
- Gather the right information needed to create your budget
- Set smart financial goals and use them to avoid the debt/savings roller coaster
- Create an annual budget and plan like you've never planned before
- Budget for periodic expenses
- Budget for the fun stuff and incorporate guilt-free spending
- Budget with a variable income
- Prioritize debt repayment
- Use budgeting software (with on screen instructions!)
- Talk money with your honey
- Set up your budget so it requires low maintenance
In addition to everything listed, I'm going to give you access to all of my fill-in forms and even show you how to use them. These will definitely help make the budgeting process easier!
I'm literally giving you everything I've created and taught on budgeting.
Here's an outline of the main sections and underlying lessons:d
"Our relationship with money is one of the toughest - and most important - relationship in our lives. Adam helps you navigate those waters with sensitivity and confidence, giving you an actionable roadmap for your future."
- Shonali & John
"Adam is extremely knowledgeable in his field and is able to break down his concepts in an easy to follow way for your progression and success. He truly listens to what I need to say, pinpoints my areas of improvement and sets me on the right track. You will not be disappointed. You'll only question why you didn't commit sooner!"
- Nathanael R.
StartOpen Up Your File Cabinet (3:30)
StartHow to Talk Money With Your Honey (5:57)
StartWhere Are You Going? (2:54)
StartWhat Would You Do If Money Wasn't an Issue?
StartSetting SMART Financial Goals (3:47)
StartUsing The Financial Goals Worksheet (9:02)
StartThink About Your Money (1:53)
StartReview Your Spending (2:38)
StartUsing The Personal Income Statement Worksheet (8:20)
StartBills, Bills, Bills (2:25)
StartWho Do You Owe and How Much Do You Owe Them? (0:57)
StartUsing The Debt Worksheet (7:34)
StartWhat You Own Minus What You Owe (2:38)
StartYour Debt Elimination Plan (3:06)
StartSection Wrap-up (0:49)
StartWhy You Need To Create an Annual Budget First (4:42)
StartSetting Up The Annual Budget and Adding Your Income (12:55)
StartAdding Your Monthly Bills (7:42)
StartAdding Your Monthly Debt Payments (7:25)
StartAdding Your Periodic Bills and Expenses (17:39)
StartAdding Your Monthly Discretionary Expenses (14:53)
StartMaking Adjustments (If You Have Debt Payments) (22:48)
StartMaking Adjustments (If You're Out of Debt) (18:20)
StartDid You Budget In The Fun Stuff? (2:07)
StartMaximizing Funds Available For Savings/Debt (1:35)
StartSection Wrap-up (1:08)
My name is Adam Hagerman and I'm a CERTIFIED FINANCIAL PLANNER™ professional and Accredited Financial Counselor® dedicated to helping people just like you, achieve financial freedom.
As a full-time financial coach, I talk to individuals and families about their finances day in and day out. I'm a financial professional that tells you like it is and doesn't try to sell you expensive products. My passion for financial education is extremely high and I'm at his best when I'm in front of a crowd talking about personal finance.
I look forward to helping YOU achieve financial freedom!
Frequently Asked Questions
Get started now!
This course is will provide you with everything you need to ensure you're doing the right things at the right time.
It's a no-brainer if you want to...
- Know exactly where you've been spending money
- Stop watching your debt go up and down like a roller coaster
- Save money for the financial goals you actually want to accomplish
- Learn the best ways to build a budget you'll stick with
- Incorporate spending in your budget for fun stuff
So again, what are you doing down here at the bottom of this page?
Start building a financial legacy you can be proud of today!