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Moms, Are You Ready to Build Your Family’s Fortune?

Dear Mom,

ARE YOU CONSTANTLY STRESSED ABOUT MONEY?

Have you ever stayed awake at 3 am… worrying about money? Does your family wok hard, but always have a hard time making ends meet? Does it feel like there is more money than month? Are your expenses spiraling out of control? Do you worry about your family’s financial future? Are your credit cards maxed out?

Do you worry all the time…About how you’re going to pay for your bills? Groceries, the car, the mortgage? Not mention the kids’ education or even a well-deserved family vacation.

Does sitting down and trying to balance your budget feel like a juggling act? Have you given up all hope of saving for retirement because money is just too tight? What about for an unexpected expense like the boiler going? Or the fridge flaking out…

If you answered “yes” to any of those questions, chances are, you’re stressed out about your finances.

Has all this been keeping you up at night? Maybe your finances are such a mess that you’ve given up believing that you’ll have your dream house… or go on that dream vacation. Perhaps you worry that your family won’t be able to happily enjoy day to day living. Or maybe you know you should be saving more for retirement or college, yet you just can’t seem to find the extra money.

Your finances – and your life – are spinning out of control. Are you scared about your family’s future?

BEING FRUGAL DIDN’T WORK

Perhaps you’ve tried not spending money, being so frugal that you felt like you and your family were living like monks. And true it might have worked for awhile. You saved some money and paid off so debt. But you couldn’t keep it up…but the truth was, you were miserable. You missed the little indulgences that made life more enjoyable and joyful.

You probably resisted this frugal lifestyle. You’ve heard of the term yo-yo dieting, right? Perhaps you went on a yo-yo spending diet, falling off the frugal wagon and winding up on a shopping binge….which undid all of your good work…and left you feeling miserable, guilty and with a bunch of stuff you didn’t need...

YOU FELT DESPERATE!

If you’ve ever felt DESPERATE for money, let me tell you something I learned the hard way…

It doesn’t have to be that way! You CAN take control of your finances again. You can earn more, pay off your debts, and put away more of what you earn.

Yes, even if you don’t win the lottery, suddenly inherit money, or get a higher-paying job. All those things will help, of course. But all you really need is to…

… Take Small Steps To Get Big Results

family budgetsYou read that right. Commit to making small changes in the way you make, spend, save, and invest money. Before you know it,
you will achieve BIG changes and BIG results. And see more money in your pocket!

Why does this work? You see, when you make big changes drastically, you’re less likely to succeed. Your mind and heart will reject the drastic changes and you simply won’t stick to them.

What you need is a doable, step-by-step system to help you make small, yet consistent, positive changes with your money.

I’ve Been There…My Story, Your Story – Every Family’s Money Story

Andrea Stein One Rich Mama Creator

Just a short while ago I was right where your were. Stressed and maxed out by the number of bills and expenses that kept cropping up. Sure I had thought I was good at managing my finances – I saved money, used my credit cards sparingly, even contributed to my retirement plan at work.

Of course, I splurged now and then, but it was nothing I couldn’t handle. And then I got married and had a kid…and then more.

Soon we needed bigger cars, and a bigger house. Clothes, diapers, bottles, daycare, babysitting and activities all seemed to add up. Not to mention that I desperately wanted to quit my job and stay home with the kids. But it just seemed like the numbers didn’t add up!

Our Family Finances Were Going Down The Drain

It seemed like my dream of being able to control my family’s financial destiny was going down the tubes. And it wasn’t like we were spending on fancy clothes and trips to Disneyworld! This was just the day to day cost of living that was pulling us deeper and deeper into debt – and we certainly weren’t getting ahead.

Sure I could have looked for another job, maybe made more money, but the truth was that my husband and I already had good jobs. We didn’t need to make more money – and neither one of us wanted to work more – and spend more time away from our family.

It was time to get serious – to get serious about the family fortune – that it to build one!

WHAT DID YOU LEARN IN SCHOOL?

Did you ever learn how to balance a check book? Comparison shop at the grocery store? Ever hear about the magic of compound interest? Or what happens when you only pay the minimum balance on your credit card? I bet no one ever taught you any of things. Instead you learned the value of pi and when Washington crossed the Delaware.

Unfortunately, most of us – especially us girls, were never taught the basic principles of successfully running the family finances.

Ever hear of a book, The Millionaire Next Door? I did – but only because I had the good fortune to study under one of its authors.

Of course I knew who was – the lucky professor who’d written a best-seller about how most millionaires are just average folks, average families, who without a lot of fanfare, fancy jobs or high flying investments, managed to save and build solid family fortunes of a million or more dollars…and most of their friends, neighbors, even family members never knew….

Of course, I never read the book. At least not for awhile.

I Got Fed Up

I bounced a check. Ok maybe a couple of them. To daycare, at the grocery store, here and there. Mostly because there wasn’t quite as much money as I thought there was in the account. Or perhaps, like in your family, my husband and I didn’t always know what the other was spending. Boy, was that embarrassing!

And then I started to take a look at our credit card balances. I mean a good hard look…I realized that if we kept up at the rate we were going, we’d be 101 before we paid off our bills…(ok, so I am exaggerating…but only a little.)

And then I looked at our student loans – you know, those loans we took out to get an education, so we could work at good jobs, and make lots of money? And I realized at the rate we were going, we’d still be paying off our education when we’d be sending our kids to school.

Something Had to Change….

And so, mamas, I got serious. I had had ENOUGH. I was sick and tired of being a slave to my credit card and loan balances. I was tired of working so much that I felt like I never saw my kids…I wanted out…a new way of life…

And no, I did not start some business where I sat around in my underwear making millions of dollars on the internet or folding envelopes.

Instead…I read, researched and got busy…I finally read that old copy of The Millionaire Next Door and had epiphany. In order for our family to have a secure financial future, I didn’t need a new job…neither did my husband. We didn’t need a windfall or fancy investments. We didn’t need to sell our house or go without a night out or a vacation.

We just needed to make a few simple changes…It was time to become serious about our family’s money and commit to becoming rich…

C.F.M – Chief Financial Mom

Perhaps, like in my family, you do most of the bill paying, shopping and decisions about everyday spending. Maybe you even make investment decisions or focus on the outflow of cash. In my family, I wound up owning the books.

So that’s when I realized that if I wanted our family to be wealthy – that is to have enough money to enjoy life today and save for the future, then it was up to me to figure out how.

And so I did…researching, learning, and trying to figure out what we were spending our money on, where it was going, and why. When I did some basic number crunching (meaning I used the calculator I borrowed from my kindergartner) I found out that on paper, we really did have enough money to get by – that is to pay our major expenses, save a little and spend a little.

I even found that with what we were spending on daycare, lunches, babysitter, takeout, commuting, dry cleaning – you know all those things that come with a j.o.b. that I was really making very much money at all!

And when you looked at what I was really taking home per hour, why heck…staying home sounded like a better and better deal.

No Spreadsheets Needed

So that’s when I began to seriously figure out how to make our family finances work. Based on all my research I developed a simple process, a system to figure out where we spent our money, how much we should be spending and how to stretch our dollars. I analyzed and found our major spending leaks and plugged them.

Soon we began to have money than month at the end of the month. Our credit card balances began to dwindle and we upped our retirement savings. We felt less stress and began to spend more time together as a family. Our whole life began to improve, especially as we felt more secure about our day to day lives -and our future.

A Family Financial Framework

See, our family now had a framework to make spending decisions – plus the right tools to spend wisely. We were able to make our income go further and soon we were buying more things with cash, carrying less debt and paying down our student loans and mortgage – all while putting away money for our children’s education and our future.

Soon, it was apparent that I didn’t need my full-time job any more…that my system had allowed our family to move out of day to day living and look towards the future. And trust me – your whole life seems better when you’re not worrying about money.

They Asked Me How I Did It

So many people began to notice our new attitude and my ability to stay home. They wondered if we had inherited some money, won the lottery or if my husband had gotten a huge promotion. Nope, we told them, we just followed the system.

Soon my friends and family were begging me to explain how we did it. Other moms at my old job offered to take me out for coffee if I would explain “my secret”…

There was no secret, I told them, just some simple, easy to follow rules and principles. Soon I began sending emails, even doing handouts, basically sharing some of what I knew. I helped lots of people.

But still they wanted more – make it easier, more step by step they said. Add some videos to show me how. Perhaps some audio I can listen to in the car. Maybe a book. A week by week guide. Please, they said – help me become a Rich Mama, too!

A Rich Mama is Born…

And so the One Rich Mama System was born…a comprehensive step by step plan to help C.F.M – Chief Financial Moms (or aspiring ones) to better spend, save and manage their family’s finances! it is based on talking to hundreds of moms, and helping them get their household budgets and balance sheets in order.

Really – who makes most of the spending decisions in your house? Really – aren’t you the one out there, buying the groceries, the household goods, etc.

Sure, maybe you leave those investment decisions to your other half (though, in the Rich Mama Secrets, you’ll learn why that may not be such a good idea), but in reality – you, yes you, Mama, are more than 90% responsible for your family’s financial health.

Why? Because you’re the one making the critical day in and day out decisions about where most of the family money is spent. Hey, it’s easy to spend smart on the big things – after all, you can’t just buy a car with a quick trip through the express lane.

It’s your day to day decisions and guidance that will have the most effect on your family’s path to financial freedom. Yes, mama, you, are truly the C.F.M – Chief Financial Mama of your family’s path to wealth.

Numbers Make Me Nervous….

Don’t worry – you don’t need to be a finance major to use this system (I was an English major!). It is written in plain, easy to use and read language. There are step by step modules, complete with summary cheatsheets and worksheets. Plus each section has a video and audio transcript so if you hate to read, you can watch or listen.

You need...The Rich Mama Secrets Home Study Course:
A Simple System to Saving, Spending, and Managing Your Family’s Money

One Rich Mama is a 12 step program that will take you from money-challenged to financially free.

With the Rich Mama Secrets Course you will learn:

  • How to set up a budget that’s realistic and one you can live with and stick to without feeling like a monk
  • Ways to cut down your expenses – and still enjoy life the way you want to!
  • Strategies for saving up for short-term goals, like your family vacation
  • How to accumulate enough for bigger items, like your child’s college tuition
  • When refinancing your mortgage is your best option – and when you absolutely need to avoid it
  • Debt-busting, asset-building techniques
  • Why you should know your credit rating, and how to boost it even if you have debt
  • How to protect yourself from identity fraud, which could cripple your financial life
  • Ways to make more money, even without getting a raise or finding a higher-paying job

Here is just SOME of the information you will find inside:

  • The secret to why we can spend, spend, spend – and never know where the money went. (Module 1)
  • How to sit down with bank statements, checking accounts, stock portfolio’s and a list of assets to find out your true financial status. (Module 3)
  • Why this system is different than other “budgeting” or personal finance books. (It has to do with our “hands-on” approach.) (Module 1)
  • 5 main categories of spending that your budget will allow (don’t worry, this should make you happy!) (Module 3)
  • 9 defenses of budgeting to tell your partner if they need convincing. (Module 5)
  • 26 simple tricks to help you keep to your budget (without grinding your teeth). (Module 6)
  • 12 reasons why starting a family budget will empower you like never before (and help you sleep at night). (Module 9)
  • 3 most common reasons why budgets fail. Know what to look out for and you’ll avoid these budget busters. (Module 3)
  • What most financial advisors will tell you to keep motivated. Hint: It involves something good for you. (Module 10)
  • Why it’s important to set one main goal. (Module 1)
  • 5 step-by-step actions to take on your way from financial mess to pillar of (wealthy) success. (Module 12)
  • 13 common expenses that you may forget to add to your budget if you’re not careful. (Module 3)
  • 6 categories to separate your payment information into (to make sure there aren’t any unexpected bills that could bust your budget) (Module 9)
  • What to do if your expenses total more than your income. (Module 10)
  • How to handle your paycheck strategically to make sure your bills get paid. Hint: This trick is so good, you won’t notice how responsible you are being. (Module 3)
  • Why it’s important to splurge every once in a while. (Module 4)
  • What does fiscal awareness mean? And why is it the first technique you should start applying. (Module 5)
  • 14 secret weapons for stopping the reach to your purse or wallet. Tried and tested, these are guaranteed to cut down your spending. (Module 7)
  • 11 steps to changing your attitude towards money and turning yourself into a saver instead of a spender (with some fun exceptions). (Module 3)
  • The secret to overcoming unforeseen obstacles. (Module 2)
  • 10 reasons to stop spending now. (Or else it might be too late.)(Module 5)
  • Why you must confront your debt now – and how to do it painlessly. (Module 2)
  • 12 steps for curbing your debt. (Module 5)
  • 11 dynamite ways to have fun with little to no money. You may have forgotten about these. (Module 8).
  • Plus…to Make it Simple and Easy to Use
  • Worksheets
  • Sample Budgets
  • Cheatsheets
  • Step by Step videos and Downloadable audios

To Begin, You Must Go Back to the Beginning

We’ll start with your current situation – where you are, how you got there and where you want to be. Then we’ll work on a plan to getting you there and creating a workable budget.

Next we focus on how to stick to your budget and make room for those unexpected expenses. Then we’ll focus on automating your budget and savings. We’ll continue to work on how to save money on everyday life, plus big ticket items like homes, vacations and education.

And we’ll help you find ways to earn more money – without getting a new job or a big promotion – it’s all part of the step by step One Rich Mama system for making, managing and saving your family’s money.

PLUS…YOU GET THESE AMAZING BONUSES:
  • Bonus Guides
  • How to Boost Your Value Without a Traditional Education ($99 Value)
  • How to Build a Wealth And Prosperity Mindset ($99 Value)
  • PLUS – You’ll get 3 Financial Bootcamp audios – with financial experts, that you can download to your computer or MP3 player, to listen in the car, the gym, covering topics like how to raise money smart kids and save for big ticket items ($199 Value)
  • Complete Guide to Saving Money on Everything from Shampoo to College (Value: You Will Literally Learn Tips and Tricks to SAVE THOUSANDS of Dollars)
  • How to Protect Yourself From Identity Theft
  • The ability to ask questions and ask for clarifications – and get answers directly from the Rich Mama….
  • AND SO MUCH MORE

The Rich Mama Secrets System a comes as a complete course with lessons, cheat sheets, handouts, checklists, videos and companion guides as an instant digital download. As soon as your payment is processed, you will receive access to the system and the step by step guide – plus we’ll send you weekly email reminders throughout the 12 weeks, checking in on your progress.

This means you’ll absorb the lessons and implement my easy strategies no matter your learning style. In short, the Rich Mama Secrets System includes all the tools you need to learn and carry out money-saving and money-growing ideas!

Does This Sound Like A Lot?

Well it is. But it won’t be overwhelming. Because with the One Rich Mama system you get handholding – 12 weeks of it fact. Each week, you will get access to one module of the system. (Or if your one of those go-getters, we’ll let you read ahead.)

BUT RICH MAMA, I CAN’T….

I can hear it now…I don’t have the time…But partner’s the financial guy…I hate numbers…I am only good at spending money, not saving it…

C’mon Moms – give yourself some credit. You’ve probably managed to cook dinner one-handed, hold a baby, solve long division and pick out an outfit – all at the same time.

Have you ever made a grocery list? Planned the family vacation? Helped your kids with basic math? We bet you have. If you can do any of that, all of the lessons and modules in Rich Mama Secrets are that simple and straightforward.

I Have No Time

Yup, we know. We’ve been there (in fact, still there). We get it – today’s moms are time starved. So the Rich Mama Secrets system is designed to be digested in bite size chunks – when you have a few moments here and there. In fact – that’s why the cheat sheets and worksheets are so key. You can just use those to start implementing some quick changes – and start to see your financial situation improve.

What Will My Partner Think

Umm, that you’re amazing. Seriously. When you start to show how you’ve paid off the credit card bills, and save 50% on the grocery bill, and by the way, the college account actually got funded this month, theyll think you’re a rock star. Really. It will be an amazing sense of relief to the whole family when the problem stops getting ignored and starts getting solved.

But the best thing about the Rich Mama Secret System – you can start doing it on your own. You can start with managing your part of the spending of the family’s money, and defining your financial goals. Once you have made some awesome progress, you can share your plan with the rest of the family – we’ll even give you tips on how to get the whole family aboard.

Your Life – As You Want It…

Stop for a moment. Imagine what your life would be like if you weren’t worried about money all the time. If you knew that you had enough money to pay all your bills? That you had a money every month to save for the future. That you had a framework for making spending decisions – from items as small as a new shampoo to as big as a new car.

In other words, once you’re a Rich Mama, you’ll be a happier mama. If you’re not worried about money all of the time, you’ll have more time to focus on living.

You’ll be a happier, calmer mom. A happier, more loving wife. You will radiate confidence to everyone around you because you will know, deep inside – that you really are rich!

Why? Because you are on solid financial ground – prepared for today and the future. You’ll sleep better, dream bigger dreams and just generally feel better.

Just imagine what it would be like to finally be debt free… You deserve financial freedom!

Click on the orange button below to get started today.

100% Satisfaction Guaranteed!

Remember, your investment in One Rich Mama is risk-free. Give it a test run for 365 days.

If, for any reason or for no reason at all, you are not 100% satisfied with your investment, let me know and I’ll refund every penny
you paid. No questions asked.

I’m taking all the risk so you won’t have to. I won’t even ask you why you’re requesting a refund. It’s that simple.

It’s No Secret – Money Causes Stress

Money is one of the top causes of stress. But it doesn’t have to be. You deserve to be free from fear!

So if you want to learn how to make more money and keep more of the money you do make, then now is the time.

Click on the orange button below to get started right now. You will get instant access to the course – even if it’s 2 AM – SO YOU CAN START IMMEDIATELY!

Just $ 197 LIMITED TIME OFFER >>>>2 Payments of $47

YES, FOR LESS THAN THE PRICE OF A NEW PAIR OF SHOES, YOU CAN CHANGE YOUR FAMILY’S LIFE FOREVER!

The Sad Facts of the Average American Family

Over 1.4 million people in the United States filed for bankruptcy in 2009.

43% of American families spend more than what they earn.

The average household has $8,000 in credit card debt.

Don’t be another statistic.

Click on the orange button below and take control of your finances.

Add To Cart – $197 SPECIAL INTRODUCTORY OFFER – JUST 2 Payments of $47

To your success,
Andrea a.k.a One Rich Mama
RichMamaSecrets.com – Your Life On Fire – Life Design For Moms


Just $ 197 LIMITED TIME OFFER >>>>2 Payments of $47

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