Dear Friends and Finish Rich Community Members,
All the signs are there, flowers and trees are blooming, birds are chirping, temperatures are rising (slowly), it’s finally happening—Spring is here! With that said, now is the time to take action and do a little spring cleaning… a little FINANCIAL spring cleaning. Here are my top 6 tips to get you started!
1. Organize and Streamline Your Financial Stuff! Organizing your financial documents can be an overwhelming task. Good news is there’s a way to get organized that’s amazingly easy and relatively painless—a system that allows you to find your bills and important documents quickly and without worry. My file folder system is something you can do in less than an hour at home that can fix and secure your financial life. It will also save you time and frustration later on when you need to locate any of your financial information!
· Click HERE to learn step-by-step how to use my file folder system!
2. Re-evaluate Your Latte Factor®: As many of you know, the Latte Factor® is based on the simple idea that all you need to do to finish rich is to look at the small things you spend your money on every day and see whether you could redirect that spending to yourself. Putting aside as little as a few dollars a day for your future rather than spending it on little purchases such as lattes, bottled water, fast food and so on, can really make a difference between accumulating wealth and living paycheck to paycheck. Although you may have already found your latte factor and nipped it in the bud, sometimes these small purchases can creep back into your life without you even realizing it! It’s time to take out your statements and figure out where your money is really going.
3. Lower Those Rates: According to the Federal Reserve, toward the end of last year, the average credit card interest ratet was 13.44%. Many consumers have significantly higher interest rates than this average. Are you getting the lowest possible interest rates on your credit card? If the answer is "no," pick up the phone now and let’s play what I like to call “The Credit Card Rate Negotiation Game.”
4. Pay Down Your Debt: I believe that becoming debt free is the most important financial move you can make today. This is why I have written my new book Debt Free For Life - To inspire and educate all of you to pay down your debt - FAST!
  • DEBT FREE FOR LIFE: I have coached millions to pay off their debt and now I want to guide you. Whether you have home loans, student loans, car loans or credit card debt—paying down your debt is truly a game you can win, if you know the rules. In Debt Free For Life I give you the tools to buy back your freedom. click here to order today!
  • DOLP: If you owe money on more than one credit card, here’s my system to prioritize your debt. DOLP™ (Done On Last Payment) is designed to establish the most effective and efficient order in which you should pay down your various cards. This system is easy and most importantly, it works! I have received TONS of success stories from those of you who have used my DOLP system and I can’t wait to hear yours!
  • Use Debt Wise to Pay Down Your Debt—AUTOMATICALLY. Debt Wise is an amazing online debt reduction tool that has literally taken my DOLP system and made it automatic. As a result, in seconds you can see how much debt you have, what order to pay it off in, and how long it will be until you are debt free! Get your FREE 30 day trial of Debt Wise here border="0" />
  • WIN $10,000: Join the Debt Free Challenge and be AUTOMATICALLY entered to win a debt busting $10,000! It’s so simple and totally FREE, so why not enter?!? ITS $10,000!!!
5. Check Your Credit Report: Studies have shown that more than 79% of people’s credit reports have errors. The data that makes up your credit report is what determines your credit score, so it is crucial you review your report and correct any errors it might contain.
  • Under the Fair Credit Reporting Act, the three big credit bureaus are required to provide every consumer who asks with a free copy of their credit report once a year. Get yours today by going to www.annualcreditreport.com
  • Read my article 12-Step Action Plan to Improve Your Credit Score featured on AOL’s WalletPop for more information on how to correct any errors you find on your credit report
6. Make it Automatic: The single most important thing I’ve learned from working with hundreds of clients as a financial advisor and now coaching through my books and seminars, is that the only plans that work are the ones that are automatic! Discipline simply doesn’t work. Working harder to save money or pay down your debt simply doesn’t work. Bottom line… if you want to succeed YOU MUST MAKE YOUR PLAN AUTOMATIC. This one step can change your financial future entirely.
· Click HERE to learn more about my Six Tips to Put Your Finances on Autopilot!
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Recent Press
NBC’s Today Show:
Money 911 – May 4th
Money Secrets You Should Keep – April 4TH
Money Mistakes Adults Pass On To Their Kids – Marc h 17TH
The View – February 22nd
Oprah.com – 7 Easy Ways to Find Hundreds of Dollars in Less Than an Hour – April 29th
Better Homes and Garden – Easy Ways to Go Green – April 13th
Parents.com - The ABCs of Being Green – April 13th
Mainstreet.com - 10 Tips to Get Debt-Free by Scott Gamm – April 1st
Forbes.com – Top Money Mistakes We Pass On to Our Kids – Marc h 2nd
Until next time...
Live and Finish Rich
Your friend,
David Bach
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