Discover how to save more than $100,000 in 15 years or less with this step by step action plan to get your personal finances under control. Learn about saving, investing and budgeting. Learn how to pay down debt and stay out of debt, to increase your money-making efforts. If you've been struggling to earn more money, make the money you have go to work for you. http://amzn.to/1SIpgHz"

1. Save Over
$100,000
in 15 Years
or Less
SAVING
SUCCESS
PART 1

2. Your Mission: Saving $100,000 in 15 Years
 Reaching $100,000 in 15 years requires investing
$300 per month.
The best way to reach that 15-year goal is to:
1. increase income
2. decrease expenses;
3. increase assets.
 Even though the process might sound
complicated or impossible, it can be easier than
you think once you know how.
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2 Saving Success

3. Formula for Saving $100,000+ in 15 Years
Decrease Debt
Increase Income &
Assets
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4. What is an Asset?
 An asset is anything that is purchased or acquired for
the purpose of generating income in the future.
 For example, a car would not be considered an asset
because it will lose value (in most cases) as the years
go by, due to use, wear and tear and so on.
 Your home might or might NOT be an asset. Did you
purchase it to live in for the rest of your life?
 Or will you be selling it before you can start to gain
equity in the house and feel the benefit of owning
versus renting?
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5. These are assets:
Stocks Bonds
Investment
Accounts
Retirement
Accounts
Owned
Business
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5 Saving Success

6. What is Debt?
 Debt is the total amount of money that is
owed.
 Having $1 million in assets puts you in a
better position than having $1 million in assets
and $2 million in debt.
 The solution is to possess Net Assets.
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7. Calculating Your Net Assets
Your
Assets
Your
Debts
Net
Assets
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8. Strategies: How to Achieve Your
$100,000 Goal
Budgeting & Saving
Investing
Managing Debt
Minimizing the Effect of Taxes
Protecting Your Wealth and Assets
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8
We will discuss each of these in turn.
Saving Success

9. Planning Ahead
“If you fail to plan, you plan to fail.”
-Napoleon Hill
What things are important to YOU in relation to the kind of future you
wish to create for yourself?
More material possessions; better house, car?
A college education for your children?
Early retirement?
Your goals can be your goal posts to win big.
Decide on your goals so you have a realistic understanding of how much
things will cost, and set your goal:
Example, $100,000 in 15 years
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9 Saving Success

10. Budgeting & Saving
 Budgeting what you have coming in will
enable you to save.
 Savings can then go to work for you in a
number of ways to help you meet to goals you
have in life.
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10 Saving Success

11. Tips for Budgeting
 Sit with your family at the beginning of each month and fiscal
quarter (end of March, June, Sept. and Dec.) and outline projected
expenditures. Pay particular attention to unusual expense such as
the holidays, birthdays, summers/vacation.
 Compare how the expenses will match up to income.
 List expenses in descending order from most to least, essential to
non-essential, so you can see which ones consume most of your
income.
 Start looking for ways to tackle or cut down huge expenses like your
mortgage and utilities.
 What are you labelling as ‘essential’ that might actually be only
optional? Eg, dining out expenses-if you cooked more each week,
how much could you save? What could those savings add up to
over time?
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12. Things to Consider when Budgeting
• Consider expenses on
an annual as well as
monthly basis.
Annualize
• Budget for emergency
expenses-3/6 months in
the bank.
Be Prepared
• Budget for acquiring
assets. Don’t spend
every penny you earn.
Plan for a Bright
Future
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12 Saving Success

13. Tips for Saving:
$300 a month is $3600 per year-you CAN save over $100k in
15 years or less with just this modest sum IF you save
consistently each month and make smart decisions with your
money
Include Tax
Refunds and
Windfalls
Lightens the
Monthly
Requirement
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13 Saving Success

14. Finding the Funds: $300 per month
 Use savings that you discovered when
creating your budget.
 Earn extra money in your free time:
 Provide services for others
 Blog about your favorite hobby. You can
monetize that blog in many ways.
 Work freelance
 Work as a consultant
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14 Saving Success

15. Finding the Funds: $300 per month
is $10 per day
 Combine methods and focus on smaller goal
of $10/day.
Earn it:
Provide a
service.
Take it out
of wallet;
add to
change jar.
Save it:
Skip eating
out.
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15
$10 a day
does not
seem so
difficult now,
does it?
The hard part
is SAVING it
and not
spending it
later, but
investing it
wisely.
Saving Success

16. Learn more in Part 2
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16 Saving Success

17. Save Over
$100,000
in 15 Years
or Less
SAVING
SUCCESS
PART 1
To learn more, visit:
http://EternalSpiralBooks.com/save