If you are working, you may start each week at a run and you may not have considered packing your lunch lately. Lunch time comes around and you leave your work place looking for something tasty, something close by, but cheap! Lunch for $5 or less is doing pretty well by today’s standards, but let’s take a look at what bringing an inexpensive lunch with you to work might do for your future.

Five dollars a day, times five days a week is $25. Times 50 weeks in a year (less vacation) is $1,250. Take away what it will cost you to bring lunch to work instead of purchase… you can do it for only 50 to 80 cents a day, and you will have saved over $1000 in a year. Wow, you think. That would be nice to have on my vacation. But, it gets even better!

Einstein was once asked what was the strongest force in the universe and he answered, “compound interest!” The stock market has averaged 10% growth over the last 50 years. What if you invested your lunch money each year at compound interest? If you switch to bringing an inexpensive lunch from home, in twenty years a thousand dollar annual investment of your lunch money would be worth over $63,000. In 30 years you’d have $180,943. And in forty years, you’d have $486,851; close to half a million dollars! Now doesn’t that sound good to you?

Let’s take a look at the financial hazards of making lunches at home before we go to the market tonight. The grocery industry is always looking to serve you… for a price! They know that many people are trying to pack their lunches, hoping to save money or eat healthier, and they want a piece of the action! We are tempted with soup cups, cute little packets of lunch meat and cheese with crackers, mini pizzas, single serving pudding or applesauce cups, yogurt cups with cookie crunchies, soft drinks, and a myriad of other items designed for our convenience and their high profit. And they don’t just market these products for our lunches, either… but for our kids so that we feel like a popular mom or dad.

Make your lunch inexpensively from home, and if you invest your savings wisely you will soon be on your way to wealth building.



Build Wealth!

Overwhelmed with the debt you face? Plagued with a 30 year mortgage, student loans, car loans, multiple credit cards, and even possibly a 2nd mortgage?

There is nothing to worry about! John M. Cummuta can help you perform a reality check on your debt situation. He helps you set up achievable financial goals.

But be honest with yourself if you want this course to work for you. In fact, it’s almost impossible for you to progress through the next steps if you haven’t faced the cold hard facts of what debt has really cost you.

If you have made up your mind to get got of debt, you should undertake a downloadable course named Transforming Debt into Wealth® offered by John Cummuta. You have worked hard to earn and save money and John M. Cummuta will help you move towards the financial freedom you had always dreamed of. The course is full of knowledge; there are various valuable tips and advice that you can use in your daily life.

Unique features of program -

The unique point that this course provides is that it gives “Knowledge, Power, and Money” to average people like you and me. With this program, you’ll learn how to prioritize and pay off every penny of your debt in the shortest possible time.

The program will teach you how to focus every dollar you’re currently using on debt payments toward building your wealth. And best of all, it will show you how to do all of this with the money you already make!

Also, he provides a laundry list of tips to cut corners, and some of them are good. This book is a must read for every person, no matter where you fall on the income scale.

You get a Downloadable Transforming Debt into Wealth® Course which includes workbooks to help chart your course and two hours of streaming audio training that is jam packed with helpful advice, examples, and motivating real life tips to meeting your goals

Here’s what the Transforming Debt into Wealth® course covers :

VOLUME 1: Where Does Your Money Go?

1. How to get all the things you want without using credit.

2. Learn the psychological tricks used to get you into debt.

3. Who is after your money and how to protect yourself?

4. The financial tools they didn’t teach you about in school.

5. How to own your life versus owing your life.

VOLUME 2: Credit - Your Financial Enemy

1. The credit system is stacked against you.

2. Avoid being manipulated into poverty.

3. The big credit lie they hope you never learn about.

4. Defend yourself from being legally robbed.

5. Work sheets for starting you cascading debt elimination system.

VOLUME 3: The Cascading Debt Elimination System

1. 3 simple steps to start elimination debt quickly.

2. How to find money to pay your debts without another job.

3. How to buy a car for 1/2 price.

4. The dirty little secret car dealers are terrified you’ll find out.

5. 7 tips that can slash you grocery bill by 35% - 40 %

VOLUME 4: Wealth Building (Now that you’re debt free)

1. the most powerful invention Albert Einstein ever saw.

2. When investing less will yield more - this will shock you.

3. How to protect yourself against emergencies.

4. The easy fundamentals of wealth building.

5. The lucrative secret of Dollar Cost Averaging.

Potential monthly income -

John does not claim to any specific figure that you may earn on a monthly basis. But he does guarantee that if you use his workbook you will surely get debt free. If your debt situation is very bad then the process can take up to 5 to 7 years.

This time frame is based on a national average of people who have participated in the Transforming Debt into Wealth ® program and are not a guarantee. Participants must purchase the program in order to calculate their own specific out of debt date for themselves - and then follow the program exactly as outlined in order to ensure its success.

Legitimacy -

The course offered by John M. Cummuta is called Transforming Debt into Wealth®, and its Nightingale-Conant’s #1 best seller, and has been for more than three years now. For 40 years people from around the globe have been turning to Nightingale-Conant to enhance their Personal Success!

They provide more than 150 authors with over 1,400 wealth building and personal development programs. Experts such as Zing Ziglar, Denis Waitley, Anthony Robbins, Brian Tracy, Stephen R. Covey, Jay Abraham, Robert Kiyosaki and hundreds of others.

Price -

This downloadable Transforming Debt into Wealth® course can be yours for only $39.95. John M. Cummuta is so confident in the value of Transforming Debt into Wealth® program that he gives you an entire year to try it and if you aren’t satisfied for any reason at any time during that year he agrees to pay you the $39.95 back plus another $39.95. That is double-your-money-back guarantee. You can’t lose in this bargain.

Remember, this program by John Cummuta is jam packed with helpful advice, examples and motivating real-life tips to help you meet your goals!



Serious Entrepreneurs ONLY Beyond This Point!

In fact, when used properly, credit cards are a very powerful wealth-building tool! I use credit cards for every single possible purchase.

By using credit cards you get…

1) A two-months interest free loan

When you buy a product using your credit card, you will only be billed for it at the end of the month. You are then given another month to make payment. So, if you pay off your total bill, you would have effectively gotten a two-month interest free loan.

2) Bonus points and dollars

Each purchase you make on your credit card(s) will earn you bonus points which you can use to redeem for free products and services like extra flyer -miles and dining vouchers, saving you even more money.

3) A monthly statement that tracks and consolidates all your expenses

At the end of every month, the credit card company will tabulate for you the total expenses for the month, making it easy for you to track your total expenditure. So it becomes a free money management tool.

However, you MUST ALWAYS PAY THE OUTSTANDING BALANCE when you pay the full balance every month. This way, the bank does not earn a cent off you, but you get the three great wealth building services mentioned above. This is what I do and that is why my bankers **** me.

So why do banks go all out, giving freebies and spend millions of dollars in advertising to hook you on using their card? They know that there are many consumers out there who just pay the minimum sum every month (about 3% of the total debt you owe), because it is so tempting. What’s worse is that many credit card owners don’t even pay their minimum sum on time because of a cash crunch or because they plain forgot.

The moment you pay only the minimum sum and allow your outstanding balance to roll, you become the bank’s best friend. This is when they will make a killing off you! Why? This is because banks charge a 2% per month interest on your outstanding sum. This may seem small, but again, that’s 24% interest a year. Just how much interest does this add up to? Let’s do the sums…

Question: Imagine if you had an outstanding balance of $2,000 on your credit card statement, and you just pay the minimum sum of $60, how long will it take for you to pay off the while balance? (this is only assuming you do not charge a single dollar more).

The shocking answer: It will take you 4.5 years! You would have paid a total of $3,300, that’s $1,300 in interest. In other words, you would pay an actual interest rate of 65% off your balance.

So when used properly credit cards can greatly assist you in creating wealth or it can destroy you if abused.



Are You Looking For A Realistic $250K First Year Income Potential?

Financial success, like all things in life, depends on taking the time to devote to projects, and managing it well. Wealth creation is not something that happens on its own, it is something that happens when a pointed effort is made to see the project through.

Time To Manage Your Financial Life

For many people, financial management is an afterthought; it is something that is done in reaction to a lacking financial situation. Wealth creation is not thought of as a proactive step towards financial freedom, which is in some ways ironic since the most effective and easiest route to financial freedom is to start with a solid plan to build wealth and gain financial freedom.

Even still, it is never too late to start anew and rededicate oneself to financial wellness. But to effect any real change, the time has to be set aside to devote to matters of wealth creation.

The most important step to take is to set aside time that is strictly devoted to building wealth. When wealth creation is made a goal rather than a reactionary measure, it becomes a reality.

Efforts In Reverse

After the time has been made to attend to financial wealth-building efforts, a plan needs to be put in place. The plan must consist of both long- and short-term goals that can be broken down into smaller, more manageable tasks and achievable benchmarks.

The best way to clearly define the goals and steps needed to create wealth is to look at the project in reverse. Following through on a year-long plan will ensure that this time next year, the financial picture will be much better.

- Start with a goal for the year, an achievement of a certain wealth-creation effort, a dollar figure of savings or investment income

- Break annual goals into monthly efforts.

- Further break down monthly goals into weekly goals, and then daily projects.

Two things are key to time management and setting wealth creation goals: one is to break projects down into smaller, manageable tasks, which also helps efforts as achievement of even small goals creates a sense of accomplishment and progress; the other, and most important key is commit to the time and make it happen. Any devotion shows a commitment that will translate into success in creating wealth, and any small financial gain is better than no gain at all (or worse, loss).

Financial Goals For the New Year

Goals and projects undertaken in an effort to create wealth will be highly personal and dependent on individual factors. In closing, here are a few goals worth considering for those who wish to really change their financial situation and enjoy success in building wealth (and ultimately financial freedom) this year.

- Read and learn - read a variety of wealth creation information and learn about the different financial programs; this is an ongoing goal that should always be included as part of any effective financial plan.

- Set savings goals - the wealthy are excellent savers, but the general population is not; simply learning to save can make a very big impact on financial freedom.

- Learn to invest - there are many wealth-building programs that teach easy ways to invest without risking it all and without being a stock market expert.

- Build skills - certain skills are essential to success in finance; learning what those skills are, and taking steps to develop them, are the first steps towards achieving financial freedom.

- Personal goals - the point of wealth creation is to have the money to finance the lifestyle desired. Include achieving personal goals as part of financial goal-setting.

- Enter a program - any ‘average’ man or woman can learn to make money and create lasting streams of sustainable wealth; on their own, though, wealth creation will remain elusive and difficult. The guidance of a good wealth building program can make all the difference in the world.



Build Wealth!

You will need to save more money if you would like to build your wealth. However, it may be difficult for people to do so nowadays. Many people will just spend all the money they earn every month. And this will make you unable to build your wealth. So what should you do in order to build your wealth?

The first thing you should do is of course try to save more money. As most experts will advise, you will need to understand your spending patterns. You should also try to set your personal budget. Yet you will not be able to save money if you do not have the determination and discipline.

As a result, it will be a lot easier for you to save money if you can use some automatic services. You will try to transfer your money directly to your saving account once you get your salary. Yet you will still need to have the discipline. You will need to make sure that you will not take the money from the saving account and use them. Of course there can be some urgent cases that you have to use the money. However, you should never use the money unless it is really something urgent. Remember, purchasing a new hi-fi system at home will never be something urgent.

You should also try to pay off your mortgage before you retire. One of reason of doing that is of course you do not want to be in debt even after you retire. On the other hand, the house / flat will become your asset after you have pay of the mortgage. You will be able to get some secured loan in case you need money urgently. The interest rate will not be high since this is a secured loan. If you need even more urgent money, you can consider sell your house / flat. Of course you should only treat this as your last resort since you will simply lose your home after you sell your flat.

You should also try to create streams of passive income if it is possible for you. It will be a crucial step if you would like to build your wealth. There are a lot of different ways to do so and one of the best ways is of course to do it online! You can consider creating an e-book or engaging in affiliate marketing if you want to create passive income online.



Wealth Builders!