This document outlines a 21-day money makeover challenge to help participants restore their finances. It begins with tracking spending for a week, then focuses on building a budget, lowering costs, managing credit, and reducing debt over the following two weeks. Participants receive free online coaching, telephone classes, worksheets and 90 days of support from a financial coach. The goal is to help people analyze their spending, prioritize finances, and develop long-term financial goals.

2. Introduction

3. Who Am I

4. What Do I Do

5. Why Do I Do What I Do

6. When Do I Do It

7. Where Do I Do It At

8. Give ‘Em A Break
"I don't know what love has got to do with happiness
But the times when we were happy
Were the times we never tried...
I'm going to be a happy idiot and struggle for the legal tender"
-Jackson Browne

9. Give ‘Em A Break
1 In 2010, one out of every
eight American families had at
least one family member that
was unemployed.
In fact, the figure for 2010 was
the highest it has been since
the U.S. Labor Department
began keeping track of this
statistic back in 1994.

10. Give ‘Em A Break
According to the New York
Times, as of 2009 the
wealthiest 5 percent of all
Americans had 63.5 percent of
all the wealth in America.
Meanwhile, the bottom 80
percent had just 12.8 percent
of all the wealth.

11. Give ‘Em A Break
According to the
Federal Reserve,
between 2007 and
2009 median
household net worth
in the United States
fell by 23 percent.

12. Give ‘Em A Break
Americans now
owe more than
$887 billion on
student loans,
which is even more
than they owe on
credit cards.

13. Give ‘Em A Break
When you adjust
wages for inflation,
middle class workers
in the United States
make less money
today than they did
back in 1971.

14. Give ‘Em A Break
In 2010, for the first time ever more than a million U.S.
families lost their homes to foreclosure, and that
number is expected to go even higher in 2011

15. Give ‘Em A Break
According to
RealtyTrac, one out
of every 45 U.S.
households was hit
with a foreclosure
filing in 2010.

16. Give ‘Em A Break
1.5 million
Americans filed for
bankruptcy in
2010. That
represented the
fourth yearly increase
in bankruptcy filings
in a row.

17. Give ‘Em A Break
As 2007 began, only
about 26 million
Americans were
on food stamps, but
today over 44 million
Americans are on food
stamps which is an alltime record high.

18. What’s in Your Pocket?
Do You Have Enough
Income To Meet Your
Expenses?

19. What’s in Your Pocket?
Do You Spend Too Much Money In
Uneccessary Items?

20. What’s in Your Pocket?
Do You Have Health
Challenges, Sick Family
Member, Or
Unfortunate
Circumstances?

21. What’s in Your Pocket?
Do You Fail To Plan
Ahead?

22. What’s in Your Pocket?
Do You Have Your
Financial Priorities In
Order?

23. What’s in Your Pocket?
Or Do You Have No Idea
Where Your Money
Goes….
But You Realize There Is A
Need To Get Help?

25. Your Money Make-Over
This Can Be You…
….. By Taking Small Steps
Everyday, You Could Restore
Your Finances!

26. Your Money Make-Over
Are You Ready For The Challenge?
Heard This Saying, “Don’t Get Mad, Get Even”?
Take Our 21-Day Challenge!
Proven Results To Restore Your Finances

27. The 21-Day Money Make-Over
DAY 1 to 7 Track Your Spending For One Week

28. The 21-Day Money Make-Over
DAY 8 to 14 Putting Fuel To The Momentum…
This Week We Learn How to …
Build A Budget
Cut Heating & Utility Costs
Lower Your Auto & Homeowners Insurance Rates
Take Control Of Your Credit Score
Cut Down On Grocery Costs
Verify Your Debt
Shop Smarter

29. The 21-Day Money Make-Over
DAY 15 to 21
Making The Stretch….
This Week We Learn How to …
Analyze Your Memberships
Discuss Your Finances With Spouse/Partner/Roommate
Check Your Credit Card Rates
Learn The Power of Debt Reduction
Use Financial Coach To Personalize A Savings Program For
You!

30. Take The Challenge
Don’t Be Left Behind…
Don’t Let Another Year Go By Without Your Financial Goals Being Met
Get Off The “Wheel To Just-Over-Broke”

31. Take The Challenge
What We Offer
A 21-Day FREE Online Coaching Program
Convenient Classes Held via Telephone
Worksheets, Accountability, Assignments Weekly
Free Personal Financial Needs Analysis All
Students
90-Day Free Support From Financial Coach

32. Your Money Solution Begins With You