Book Description

If you are ready to change your life and take hold of your financial future. You are willing to stop listening to marking lies and will take a deep look inside yourself and make changes on how you look at money and how you manage your money. You will be open-minded and will try one of the oldest and profound financial principles that exist because this financial truth cannot be denied and has stood the test of time. Our government leaders know it but due to lack of fiscal management, personal greed, or ego they ignore it. Affluent men for years have followed after it. It is extremely simple but can take a life time to truly understand and master its concepts. If followed it will not fail and will improve your long term finances. The real benefits are less stress, more purchasing power, better relations, greater understanding of all money uses and more freedom. A doctoral degree in economic could not provide a more sound education on your money management. Plainly stated the secret to your financial success is: "to spend less than you make". There it is; in plain English, so easy to miss, but this is the core of reaching personal financial success. Only you can do it and no one can do it for you. The task seems impossible but to those of us who have reached this plateau it is un-comprehendible not to do this. There is no greater financial, budgeting or money management advice anyone can give you on how to management your money. The Pencil Box Systems application has be designed to help you create a full year budget that you can monitor, compare and make decisions about where your monies go and help guide you on making better financial decisions through knowing where your money is and how you spend it. But the choice is up to you. Will you let life pass you buy and loss valuable years of earning and saving power or will you move forward to take control of your finances. The clock is ticking and every day you do not management your money, you make unneeded purchases and you add on unnecessary debt. You give up more freedom and add more stress to your life that only you can stop and control. Help yourself and your entire families start today to create a budget and learn to manage you money. The successes of your finances are depending on it and your future will be better if you take control of it-do not wait start today, it is totally up to you to be debt free or stay a slave to debt.