Financial Curve Balls

Are You Prepared for the Inevitable Financial Setbacks?
...Financial Curve Balls

Life is messy. There are going to be troubles in your life. No one is immune from the curve balls that come your way.
Any of these can make you fall into financial disaster…

• Loss of job
• Divorce
• Medical problems
• Children
• Automobile accidents
• Death or disability of the income earner
• Pay cuts
• Retirement plans eliminated
• Corporate downsizing or reorganization

An event like any of these can quickly place a person in a position where he feels he is drowning financially.
Unfortunately, most people aren’t prepared to deal with these curve balls.
The curve balls also pay a toll on our families.
Finances are the leading cause of fights in families. That leads to marital breakdown and divorce. Divorce only makes the financial situation worse.
When these troubles come, and they will, it is much better for you to be on the Financial Freedom Trail than if you weren’t.

If you have adequate margin in your finances, you will be in a much better financial position to weather these storms.
 
This will lower the impact of these events and reduce your anxiety. Your savings (we’ll show you how to build an emergency fund) will give you time to deal with it.

Personal finance is all about manipulating, or controlling your finances to give you the greatest degree of margin.
 
No matter where you are right now on your financial journey, the information on this site, if applied, will move you further in the direction of financial freedom.
 
Even if you are in Distress or Stress, we can help you move to a place of margin.
Each step you take along the Financial Freedom Trail will put you closer to your goal to achieve financial freedom.
That way, when you encounter any of life’s inevitable setbacks, you will be better positioned to endure them.

The site is unlike any other, because we will help you with all these areas.

Are You In Control of Your Financial?

What Everybody Should Know...
About How To Achieve Financial Freedom

Financial Freedom means that ultimately you are in control of your money, rather than it controlling everything you do.
Think about it, there are really only two options, either you take control of your money...







Or, if you are like the vast majority of people, your money controls you...








Which is true for you?
Does money control you?
You will never achieve financial independence without taking control of your money.
If you need to take control of your money, you've come to the right place.

The Essence of Personal Finance and How To Achieve Financial Freedom...

To achieve financial freedom, you have to live according to a basic truth. It is a simple equation:

You Must Spend Less Money Than You Earn!

This gives you margin.
Having margin, regardless of your income level, will give you financial freedom.





The difference between what you earn and what you spend will determine how much financial freedom you will experience.
If you spend all the money that you earn, you are on the brink of trouble. You will live in constant stress.





If you spend more money than you earn, you are in trouble. You live will be in a constant state of distress.





Our culture and easy consumer credit have many people spending more than they earn, not less.
Most Malaysian have 4% negative margin. Every month, they spend an average of 4% more than they earn!
How does that happen? How can they be so ignorant of their perilous position?
Here's how (this may be true for you)...
They believe that they have a good “feel” for where their money is going, so they never track their expenses or have a spending plan. (We will teach you how to do those things).
They think that they are “OK”, but the reality is quite different. (See "Using the Right Map" below)
Even with this 4% negative margin, they continue to overspend by using their credit cards.
Then, the credit cards get maxed out, so they either consolidate their loans or refinance their homes to "start over".
But, if people never change the bad habits that initially got them into this dangerous position, it only gets worse…
The cycle begins again with them going even deeper into debt.
Because of living in negative margin, many people are only one or two paychecks away from financial disaster.


Then, when the storms of life come, people with no margin are in real trouble.