LIVING PAYCHECK TO PAYCHECK?

Well you are not alone. In fact over 30% of Canadians are struggling, big time, according to a Rainy Day Survey by BMO. We see it all the time in our business and suspect that reality is more like 40 to 50 per cent. 27 % have savings that would last only a month or less. 40% have less than $5,000 saved. The majority would likely have to borrow to meet an emergency. Conclusion? Too many Canadians are totally vulnerable to financial collapse and many are already under water, meaning they spend more than they earn.

So what is the ideal emergency fund you ask? The answer is six months of income. How realistic is that for most Canadians? It would appear to be an impossible task right? Further investigation reveals that the answer lies with poor cash flow management, something which most of us know little about.

So how did we get into such a sad state of affairs? Well back in the 1950’s credit cards were non-existent. People could only buy things from savings. Fast forward to the 80’s and 90’s everything changed. The availability of credit and buying things ‘on time’ exploded with easy credit and with most women working, so two incomes instead of one. Look honey we can now afford a bigger home, a cottage, more vacations and a brand new car every four years…lol.

We are encouraged at every turn to consume, consume, consume because it’s good for the economy AND THE BIG BANKS who continue to amass record profits, largely at the expense of consumers who find themselves unable to pay off high interest credit cards, loans and lines of credit, the latter which is the more recent vehicle to dupe us into more debt.

Did you know that Financial Problems are now the number one reason, ahead of infidelity, for divorce. Yes it’s true!

You are a good person, you are honest and you work hard but you can’t make ends meet. If you are at the financial brink or feeling you are about to crash, please do not despair.

There is a total answer that we will reveal in next week’s article. It is not Debt Consolidation or Credit Repair either. It will surprise you how simple it can be by using our new amazing five step ‘Debt Proof’ program to eliminate all debt from your life, maximize your cash flow and achieve the financial freedom and independence you deserve.

Please stay tuned!!!

WEEK OF OCTOBER ‘10TH/14 ‘MERCURY’ARTICLE

DO YOU REMEMBER THIS OLD TV INTRO ? “IT’S A BIRD, IT’S A PLANE…IT’S SUPERMAN!”

HI IT’S RON FROM ‘PRICETEAMMORTGAGES.CA’ DOMINION LENDING CENTRES, WOOLWICH STREET

WELL, I’M NO SUPERMAN…Chuckle BUT I DO HAVE SOME CRYPTANITE FOR YOU THAT WILL HELP YOU CONQUER THE WAR ON DEBT

INTRODUCING OUR ‘DEBTPROOF.CA’ DEBT ELIMINATION PROGRAM, THAT YOU CAN MAKE YOUR LIFE ‘SOAR’ TO HEIGHTS YOU NEVER DREAMED POSSIBLE

IT’S AMAZING, IT’S REAL AND IT’S GONNA CHANGE YOUR LIFE.

VISIT ‘DEBTPROOF.CA’ TODAY AND MAKE THE CALL.

YOU’LL BE SO GLAD YOU DID!!!

FREE ‘DEBTPROOF’ SEMINAR – SIMPLY ‘INVALUABLE’

We know your time is precious. It is for all of us. With limited time available, it is imperative that we ‘Priortize’ our use of time to include those activities etc., that are most meaningful to us, and which give us the most value.

Your decision to spare one hour of your time to attend one of our seminars, will change your life forever? We Guarantee It!

This is all it will take for you to learn about our amazing Debt Elimination Program.

We will give you a free analysis that shows you how fast you can pay off your consumer debt and mortgage. Most people are making minimum payments on debt and getting nowhere. This may not be you but that doesn’t matter because we will still save you tens of thousands of dollars. Our solution is much more easier than you might think.

Do you know that most Canadians have no funds for emergency, future travel or education for children? Our program enables you to SAVE for your future, and it ensures your financial well-being.

You don’t need to change your mortgage, in fact you do not even need to have one. We will show you how to pay off your consumer debt up to 5 times faster and your mortgage in less than half the time. And here is the best part! This is done all within your current budget constraints, and not by digging deeper into your pocket (as the banks tell you to do).

Please visit our website: DEBTPROOF.CA to gain a better idea of what this is about.

Please mark this date in your calendar and register now to attend one of two upcoming seminar dates:

Tuesday October 28th, 2014 and Thursday October 30th at 7 p.m. sponsored by PriceTeamMortgages.ca