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.