My wife and I were paycheck to paycheck our first three years of marriage. It sucked.
In April 2011, I was normal. I woke up in our nice house, with the nice cars in the garage and name brand everything. I was 28 years old, married with a new baby at home, living paycheck to paycheck, and sitting in $52,000 worth of debt. I was “living the American Dream”…..I was normal.
I started learning more and more about normal.
- Normal is in fact living paycheck to paycheck since 70% of American households already do.
- Normal is driving around a car that is dragging an average $495 car payment for the next 66 months.
- Normal is a credit card balance of $5,600 and normal is graduating college with $30,000 in student loans.
- Another great word for normal: Crap.
My wife and I made a decision that we weren’t going to be normal anymore. We were sick and tired of being the rat in the wheel. Just like you, we worked way too hard to feel this broke.
We finally had that “we’ve had it moment” which would result in us changing our lives forever. We sold stuff, we sold our luxury car, I started cleaning pools on my off days, we worked overtime, we sold more stuff, we cut out the crap we really didn’t need, we cancelled vacations, we lived on a written budget, and it worked.
Seven months later we had paid off $52,000 in debt.
People thought we were crazy and I actually remember wondering if we were. But, we were the ones that no longer had payments. We finally had this thing called money. We were able to start paying cash for things and were actually paying less. We started saving more than we ever thought possible. We started living OUR lives the way we wanted.
Do you know what it is called when you are debt free, paying with cash, dumping a ton extra on your mortgage, and saving more than you ever thought possible?
(It’s called winning).
I became so passionate about getting out of debt and stepping away from normal, I decided to share our story with others. People started wondering what we were doing, so we showed them.
- We started helping a few close friends with their money problems.
- Then we started helping their friends.
- Then we started doing classes to show people how to manage money.
- Next, we started this blog to create a way to give my cash flow plan out to the entire world.
Today, Money Peach has grown into the go-to website for learning how to save money, make more money, pay off debt quickly and every little thing in between when it comes to your money.
However, before you do anything with your money, the very first thing you must do is PAY attention to the money cash flowing in and out of your life. We call it our cash flow formula and we simply give it away AND show you exactly how to use it.
How did we do all of this?
Two words: Behavior Change.
You see, what we finally realized was personal finance isn’t all about the numbers, it’s about behavior. Once we changed our behavior with our money, things started happening. The needle started moving a little….then a lot…..and then we broke free from the chains of payments.
Imagine laying in your bed at night and not owing anyone a dime. Imagine having a cash reserve on hand for the unexpected. Imagine looking forward to retirement because you started saving more instead of paying the bank. We once imagined these things….now we get to live it.
How did we do all of this?
Two words: Behavior Change.
For the longest time we were living inside the bank’s plan. We worked hard on our good credit score so we could borrow money….so we could increase our credit score….so we could borrow even more money….so we could….you get the point.
The banks have it made. They allow us to believe we can have anything we want right now without even having to pay for it right now and then we become a slave to the finance world in the form of lifelong payments.
Who wins in the end??
Of course the banks do!
But What If We Changed The Rules?
What if we stopped doing business with the banks?
What if we paid off all of our debt and told the banks we no longer needed them?
What if we saved up cash and bought things at a discount instead of paying retail?
What if we stopped sending money to the banks in the form of PAYING interest and instead sent money into our investments in the form of GAINING interest?
I’ll tell you what would happen – IT WOULD WORK!
What About You?
There is going to be a moment in life (and maybe it’s right now) where you’ve had it with the system the banks have you in.
Yes, you can get out of debt.
Yes, you can save money.
Yes, you can fire the banks for good!!
What is the first step, right?
Start with a Plan
Please take our free cash flow formula plan and I will show you exactly how to use it. I will walk you step-by-step over the next few weeks to learning how to handle money in YOUR favor…not the banks.
And – it’s all 100% free 🙂
Help Someone Else, Right?
I would love for you to share this on any of your social media channels.
I am only one person and I need your help to officially fire the banks from selling us their “rat-in-the-wheel” system!
It’s time to take back control of the money!
Thanks for being here my friend!
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