Arriving At Healthy Financial Habits

Today I wanted to share with you the final email students receive in my successful online coaching program, Overcoming Unhealthy Financial Habits.

To achieve this in your financial life, start by getting your hands on the free gift below.

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EMAIL SUBJECT: Arriving at Healthy Financial Habits

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Congratulations! You have arrived at the next milestone of your journey.

"What?!" I hear you scream. "I thought this was finished?"

No, I'm sorry my friends, while we part company here, this is just a milestone.

If you have chosen to adopt the principles I have shared with you throughout this coaching process then you are most certainly much closer to your destination.

You will be sharing personal and family financial values with your loved ones, which will be creating a real sense of "team" in the household. I believe you will experience less stress as you discuss money with your spouse. And, your kids will understand more about your family finances and, as a result, stop begging you for money so often.

You may already be experiencing some of these benefits.

By now you have discovered the power of financial goals. Boy, when I first realized how powerful goals were and how they helped me to accelerate towards my dreams - I was so excited.

If you have caught this principle and are applying it as I shared with you, there will be no end to what you can achieve. I have personally seen my family create all sorts of cool memories because of the goals we have set, aimed for, and achieved.

You can have more of this for your family, too, as you apply the principle of goal setting to your financial habits.

And I also expect that you will be enjoying the freedom that a family budget will give you.

"Freedom?" I hear you ask mockingly.

Yes, my friends, freedom. You see, as you begin to live within the plan that you have created for your family you will see how easily it allows you to live the life you have designed.

No longer will you feel constrained by your bills, strangled by your debt, and frustrated by your income limitations.

The Overcoming Your Unhealthy Financial Habits coaching has liberated you from these feelings. Your plan for your money has given you direct control over where you go and what you do.

This is true financial freedom.

And you are working towards it.

That's why I say this stage, right here, is just a milestone. Please choose to continue the journey. This is not a "been there, done that, got the t-shirt" kind of program. You don't get a card for your wallet either.

This is something we all need to keep focused on so that we maintain our financial health - and continue to enjoy our life today and the future we desire to share with others.

Please carry on this journey by agreeing to commit to further investment in your family. How? You can do this by taking advantage of the many free resources and special offers I have given you.

Why not send your friends this email as an example of what they could also achieve. Send them to the start of the process, the same place you started 12 weeks ago. Send them this link:

http://philstrong.com/freegift/

Congratulations. You are becoming money wise and financially healthy. Keep up the good work!

Until next time...

All the best for your fantastic, healthy financial future.

Phil Strong

P.S. Watch out for the Special Unique Offer in 2 days time.....

I promised you "double the value" and "more free downloads"

and that's what I'm sending you. Watch out for it.

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What can you do to avoid a conversation with your Financial Doctor?

Have you ever been in a hospital room, either as a visitor or a patient? I find hospitals kind of freaky; the hard beds with clean, starched sheets; the colourless, sterile environment that doesn’t speak of life and vitality; the quietness about hospitals that I think adds to the mystique; and flowers, loads of flowers.

Hospitals are always busy. Nurses move about swiftly, reminding me of busy bees collecting pollen. The silence is dissected by the monitors beeping three rooms down the hallway. The person in the next bed is trying to read their magazine while listening to your conversation. The hallways are full of all sorts of people, most of them wandering around in a daze trying not to get in the way.

And then there’s the conversation you have with the Doctor…

Delivering news as a Doctor must be tough, especially when there is no message of hope. As a Financial Coach I am happy that, no matter how bad the news, my news is never fatal.

But there is a responsibility of a Doctor that I share as a financial coach and that is this: highlighting behaviours that cause the illness or injury so that future pain can be avoided.

That’s why I help people to overcome unhealthy financial habits. It’s those little habits that most people are not even aware of that cause the most long term damage. What are some of those habits and how can you make sure they don’t lead to an unwanted conversation with your financial doctor?

Perhaps some of these unhealthy habits sound familiar:

• Not having a clue where the money goes, but being very aware that there is none left!
• Constantly arguing about money with family, stressing that others waste it and not being able to work together on future goals.
• Always being bombarded by bills, never knowing where the next one is coming from or how it’s going to be paid.
• Knowing that you are role modeling bad behaviours to your kids, but not having any idea what to do to change this.

Let’s not spend all our time together focusing on the negative, rather let’s keep our eyes on the life we want to live and the future we dream of living.

What can I do to help people who may have one or two unhealthy financial habits?

When I teach people about money I teach them strategies that my wife and I used to take control of our money, simple things we did to overcome all the unhealthy financial habits you read about above. These principles are not rocket science, but easy to apply if you do them in the right order.

Here are some positive examples of what your financial life can look like ensuring you do not have to have that conversation with you financial doctor:

• Understand and apply powerful money mindsets that give you the control over your money.
• Put simple and proven strategies in place that give you the ability to achieve more with the money you have.
• Start having positive money discussions with your spouse that do not lead to arguments.
• Resolve differences so that all family members are happy with financial decisions.
• Accelerate progress towards financial success, building a legacy that will outlive you.
• Pass on constructive financial disciplines to future generations so they do not make the same mistakes you did.

You can learn the financial habits required to achieve this kind of lifestyle. And when you do, imagine the hugely positive overflow that you will experience in other areas of your life.

How do you get your hands on the information that will give you this? Today, I am offering this to you at absolutely no cost. I have a free gift for you that I know will help you, in the same way it helped my family and thousands of others who now use the principles I teach.

Get your free gift here via this post: http://www.philstrong.com/blog/is-“fiscal-idiot”-too-harsh/

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Three Examples of the Financial Life You Don’t Want

My passion is Teaching People About Money, it's something I love doing and it's something people tell me I'm really good at.

In my experience many people have developed what I call unhealthy financial habits which limit what they can achieve with their money. Here are three examples of what these unhealthy habits can cause.

Are you tired of that feeling of 'missing out' because your lack of finances is limiting your lifestyle?

This is the not so nice part of having unhealthy financial habits. Are you tired of that feeling when your friends invite you out somewhere and you can’t go because you can’t afford it? Or there’s something worse than that: going out anyway and feeling guilty all night because you know you are funding your lifestyle by going into debt.

A lack of finances is caused by a lack of control. I teach people how to achieve freedom by using a family spending plan. You will be amazed by the freedom you can also enjoy.

Are you frustrated about how much interest you pay and scared you won't be able to repay your debt?

Debt can strangle your lifestyle if you let it. These days money is too easy to get access to via credit cards, personal loans and mortgages. But while this easy money may seem like a great short term solution, it often becomes a long term pain in the butt. You may end up suffering under the pressure of this debt long after the fun memories have disappeared! And the cost of the interest will rob you of what you really deserve.

Do you worry what your kids are NOT learning about money?

If I had a dollar for every time someone asked me why they don’t teach financial literacy at schools, I would be a very rich man. Most schools don’t teach money, and young adults are suffering because they have no idea what to do when they finally start earning. Where do they learn their financial habits? From their parents! And that may not be such a good thing.

Today I want to gift you a FREE recording of a 48 minute tele-seminar where I teach people how to overcome these unhealthy financial habits by equipping them with powerful money mindsets that support them to take control of their finances and build a better financial future for their families.

This seminar is worth $77 - but as my gift to you today you will pay nothing, zero, no cost!

In addition, you will download the PDF workbook that goes with this seminar so you can follow the models I teach and make notes for future reference. This workbook includes powerful worksheets and my simplified budgeting template that I have developed over the years to assist families to take control of their finances.

You can become the master of your money.

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Phil Strong is an international author and speaker on money. His passion is helping people to overcome the negative, unhealthy financial habits that limit their life so that they can enjoy a more fulfilling life with their family.

Register for your free gift by visiting this post at http://www.philstrong.com/blog/is-“fiscal-idiot”-too-harsh/.

Is “Fiscal Idiot” Too Harsh?

When I was younger I was a complete fiscal idiot. I wasted my money and squandered everything I had seeking the good times that only lasted a short time. I had no idea how to control my spending frenzies and never had enough for my bills. So, as I say, I was a complete fiscal idiot.

Most people are not like this, and you are probably nowhere near as bad as I was. But I find that while people will not class themselves as fiscal idiots they do have some unhealthy financial habits that are limiting what they could be achieving with their money. Do you think you could achieve more with the money you have?

Before that, allow me to tell you the happy end to the story that brought me here.

I knew there had to be a better way to handle my money; I desperately wanted to break out of the negative downward cycle I was in. So I studied people who were successful with money. For years I became a student of very wise people as I learnt what I had to do to get back to survival. From there, I developed powerful money mindsets that allowed me and my family to achieve some pretty cool things. And then I started teaching those principles to others. First, in small discussions around a cup of coffee, then in seminar halls all over the country, and now through my books and seminars which are all over the world.

So while you may feel that the title “fiscal idiot” may be a little harsh, you may be in the category most people are in: doing okay with money, but not doing as well as you could.

If you are in this category then my gift for you today will help you to break through this into new levels of financial success. You will be happier with the financial decisions you make, you will see more goals achieved which will give you many more happy memories, and you will learn how to smash your debts so that they no longer strangle your lifestyle.
I recently ran a tele-seminar where people came to learn what the strategies are that I used, and how they can apply the same strategies to their lives. These strategies are not rocket science, if you apply them in the right order you can be sure of a more enjoyable life as you live in control of your money.

If you are interested in learning what these strategies are then please visit me here so I can give you immediate access to this tele-seminar… for free! Is there a catch? Sure there is. But you will be pretty happy when you discover all you have to do is ask me three questions to get your hands on the free seminar.

Visit me here to get access to the video and register for my gift to you.
http://www.philstrong.com/blog/is-“fiscal-idiot”-too-harsh/

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This Video focuses on the concept of a 2nd Mortgage and Phil challenges the way you might think about this. Remember, Phil's goal is to help you to be mortgage free so listen to what he has to say.

Watch, enjoy, and please comment.

KEY POINTS:

1. What is a 2nd Mortgage?

2. Why get a 2nd mortgage?

3. Phil's views (!!!)

4. Phil's advice is to pay off your 2nd mortgage as a priority

5. Use strategies to accelerate your mortgage reduction (Phil can help)

Bonus: Remember your goal is EQUITY!

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Over many years of coaching families to get out of debt, Phil has discovered two things:
a) Many families are on track to end up with a 50 year mortgage.
b) There are simple reasons why this happens.

Make sure this is not you! Learn what it takes to pay your mortgage off and enjoy using your money for more fulfilling purposes.

Get Access To Your FREE VIDEO Immediately!

Discover The Number One Secret Most Families Will Never Know
That Will Have Them Chained To Their Mortgage For The Rest Of Their Lives

http://www.howtosmashyourmortgage.com

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Video Blog - Bad Credit Mortgages

In this short video I want to share five thoughts that will help to get you on the right track if you have a history that has led to Bad Credit. Many people have probably got to this point and worried that it's the end of th line, and there is good reason for that. Hear what I have to share as I challenge your thinking and encourage you to get back on track with Bad Credit Mortgage.

Please read, enjoy, and comment.

Here are today’s five points for discussion:

1. Just 'cos you got Bad Credit doesn't mean it's the end

2. What is Step 1?

3. What is Step 2?

4. Warning - the proverb of the dog returning to it's vomit

5. Race off to get your free financial literacy resources

Link for free financial education resources: http://wisemoney.philstrong.com

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Over many years of coaching families to get out of debt, Phil has discovered two things:
a) Many families are on track to end up with a 50 year mortgage.
b) There are simple reasons why this happens.

Make sure this is not you! Learn what it takes to become mortgage free and enjoy using your money for more fulfilling purposes.

Get Your FREE DVD Today!

How To Make Sure You Don’t End Up With A 50 Year Mortgage

http://www.howtosmashyourmortgage.com

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Video Blog - Mortgage Amortization Calculator

This Video focuses on the tool called a Mortgage Amortization Calculator and challenges you to think about HOW you might use this as a tool to reduce your mortgage faster. Watch, enjoy, and please comment.

KEY POINTS:

1. A Mortgage Amortization Calculator is a pre-determined route for you

2. I think this is slow, slow, slow

3. What does "loss of control" mean for you?

4. Learn how to beat mortgage amortization so you win

5. Link to a free resource that I use

Additional Link as promised in the video: http://www.loanamortizationtable.net

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Over many years of coaching families to get out of debt, Phil has discovered two things:
a) Many families are on track to end up with a 50 year mortgage.
b) There are simple reasons why this happens.

Make sure this is not you! Learn what it takes to pay your mortgage off and enjoy using your money for more fulfilling purposes.

Get Access To Your FREE VIDEO Immediately!

Discover The Number One Secret Most Families Will Never Know
That Will Have Them Chained To Their Mortgage For The Rest Of Their Lives

http://www.howtosmashyourmortgage.com

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