These Folks Are Getting Out of Debt...and So Can You!
I actually purchased your "How to Own Your Own Paycheck Again" around June of 2005. I downloaded everything onto my laptop, then took my laptop to work to read it. For some reason I didn't implement the program until just recently. Trying get out of debt my way didn't work...paying off the lowest interests debts first. Using the "Debt Crucher" that I got as part of your program that I invested in finally allows me to see the light of getting out debt sooner than never. Wereas I have been working on getting out of debt for the last 15 years doing it my way...and my debt has only increased. I have just over $38000.00 Using the "How to Own Your Own Paycheck Again" I will be out of debt in about 5 years...YEAH! I wish that I would have started using this program sooner...if I had I would only have about 4-years 4-months left to be out of debt.
I definitely plan on spreading the news about "How to Own Your Own Paycheck Again" to everyone I know and anyone I don't know that will listen.
R. Kelley BrennemanWheat Ridge, CO
USA
Get Your Own Copy of "How To Own Your Paycheck Again!" By Clicking HERE
Patrick Cumberledge
Vermilion, OH
USA
Hi
Leo,
I
attended your
“How to Own Your Own Paycheck” seminar quite a few years ago at
MWCC. At
the time, I was married and heavily in debt. I became even more
aware of
the seriousness of my situation after attending your seminar. A
few years
later, when I got divorced, I decided to take some of your advice from
that
seminar to enable me to become financially solvent. I paid off my
share
of all credit cards and loans with the money I received from the sale
of our
home. I then resolved to keep only one credit card and pay the
balance
each month. I have kept to that resolution for the past eight
years.
I
now have a
2001 car which I purchased brand new. It was taken with a
six-year which
I paid off in four years. From that point on, I continued to save
the
same amount of my car payment toward my next car. I do not plan
to buy
another car for a few more years, but I already have $2700 saved toward
that
next car. I have money in the bank, in CDs earning higher rates
of
interest than they were in my regular savings account. I have no
outstanding bills except my living expenses. Also, at your
suggestion
from a newsletter, I opened a small “mystery shopping” business and
have been
able to put more than $10,000 in a retirement account in the past three
years.
As
you see, my
financial situation has been completely turned around as a result of
your
advice and a lot of discipline. I am most grateful for that
decision I
made to attend your seminar many years ago. I still look forward
to your
newsletters for new ideas. Thanks very much for your honesty in
your
dealings with me.
Nancy Hawkins
Gardner, MA
USA
But what I am most excited about is (the) bonus book - Keys to Power Prosperity! I am about 1/3 of the way through and I just had to stop and take a break to let you know how thankful I am that you ...have given it to me as a bonus!! I always knew that in order to succeed I needed to have faith and believe in myself and that I could accomplish anything.
THANK YOU FROM THE BOTTOM OF MY HEART!!!!
Leslie Dishman
Houma, LA
USA
Thank you so much, Leo. Your plan became my miracle!
SSgt. Stephanie Csornok., USAF
Kaiserslautern, Germany
I'm in finance and my wife is in fashion, but she does the bills. I tried to get her to watch all the money experts on TV. Hoping that one of them would spark an interest in money management (my wife strictly pays the bills). But to no avail. I've tried to convince her that there was more to managing money than just paying the bills. But to no avail.
It wasn't until I brought home your program that everything started to change. She finally had a program that was written in a way she could understand and implement. It also changed my mind about a few things I've always regarded as hard and fast rules (paying off the highest % debt first) about money management.
We now have a plan that's easy to follow. I feel we are finally on the same page. And our marriage is better then ever because we are now a team focused on getting the debt down and not incurring anymore in the future.
Thanks for your help!
Edward Anderson
Bloomfield, NJ
USA
I am a scientist with an MBA. I am also the Vice-President of two very successful companies and have been responsible in a large part for their turn around and ultimate success. So I didn't think I needed financial advice. But my husband and I have carried debt ever since we completed University. Each year, we went into debt by additional $5,000. despite the fact that we don't live lavishly at all. A few years ago, I cracked down hard on our spending, and we stopped going into debt further - but we made absolutely no headway on our debt.
Pam Allen-Leblanc, P.ag., MBA
Fredericton, New Brunswick, Canada
While were still working at expanding and making our business work (which is his line of work....not mine) I have still not been able to find a job (one that pays...in my line of work...yes I do work for the business). This led me to finding the "How to own your own paycheck again" - I was very interested to learn how to do this since it's been a long time since I've been able to do this. Then after doing what the book told me (very simple ideas), I realized I could be completely out of debt in 11-12 years. My husband thought that was great! Almost unbelievable! So Thanks.......very good concepts!
Jean R.
USA
I was skeptical because I had not had used coaches or financial advisors in the past. However, because it was a transitional time in my life and I was looking for solutions out of the mainstream for my personal debt, I decided to be open minded to whatever you had to offer.
I was blown away with the simplicity and "doability" of your program. Without a background in finances, I expected something much more complicated, and yet, here I am before something that I can replicate right away without any difficulty whatsoever. I felt relieved from the prison of financial constraint by understanding the why's behind my financial problems, consequently empowered to what steps to do, and confident as how to do it.
I successfully found a way to start paying OFF the debt I was carrying, not just 'hauling' that burden unchanged after reading "Mistake # 10 ("Thinking that paying off your highest interest rate debt first is the fastest way to get out of debt"). I finally discovered ways of finding the "hidden money" that I had heard so much about generically, which ultimately made me more aware of where does my money go. This 'headstart' has been helping us for the past year and has been an effective source of debt elimination.
Because your program has worked for us, I am ready to recommend it.
John Sommerville
Bishop's Falls, Newfoundland, Canada
I never realized how the simple steps in your "How To Own Your Paycheck Again" course are SO effective and easy to understand. In addition to that , I appreciate all the useful bonuses you get by ordering. I am so thankful there are honest people with useful programs that do work out there today.
What worked best for me:
1) The Debt Cruncher program is the one I
like best. (so far :) ) To
be ableto plug in numbers and instantly know when you can be out of
debt (by following the program of course) is very encouraging and also
lets you look forward to paying bills. By buying "How To Own Your
Paycheck Again" I now am much more careful of frugal spending because I
know I can be applying that money to my debt and taking a ton of time
off the payments.
2) I also used the advice in the chapter on paychecks to give myself
about a $100 /month raise! That will help a ton on reducing my debt.
These 2 items alone are worth the price of the course.
Burlington, NC
USA
I took your Own Your Own Paycheck course a little over a year ago and since then have paid off two of my four credit cards and have improved my credit score... When I checked my score yesterday it made me cry!!! I have had credit problems since I was in my early 20's and got into trouble with cards that were literally handed out like ID's on my college campus.
Now, thanks to you and your program, almost 20 years later, my husband and I own a home and two cars (one paid off, the other to be...). We have a son that we can afford to care for AND do fun stuff with. And we are on a course to be debt free and out from under the stress we have been living with for so long.
Your constant support and encouragement through your e-mail newsletter has also given me some of the motivation I needed to make a career change. I am hoping to launch my own business in the fall of 2006.
I can't say enough about what you do for people Leo, and I would recommend for anyone who is burdened by the stress of debt and drowning in the weight of their own finances to purchase your Paycheck program...
W.B.
Cohoes,NY
USA
D.M.
TX
USA
LEO,
I was VERY skeptical and reluctant to purchase your program. But,
over
the past year, I’d been looking for information about how to reduce
and
eliminate our debt more quickly … and that’s the bit of
information that
caught my eye.
I
have made the effort over the years to manage our debt … and have done
an
admirable job … but I’m always looking for MORE
information. I sat
down and read through your information in one sitting … marking those
areas
that I’d need to go back and review. Most of your
spend-reducing
ideas we already employ. And I’m pleased to report that our only
real
debt, (not bills), are vehicles, home mortgage and home equity
loans. We
have no credit card debt. But, since we’d both like to retire
within the
next ten years … NO DEBT sounds just wonderful !!!
The
part of the information that blew my mind was ... I just couldn’t
figure
out WHY that would work … but I’d paid for the course … so I figured
I’d follow
your instructions. I loaded the Debt Cruncher and entered our
figures …
VOILA ! Using the headstart amount I’ve currently set aside
… we
could be out of debt in 11 years ! That got me excited !
Add a
little more headstart, and I can eliminate our debt in 10 years.
THEN
… I looked at the...debt that would be paid off first - my
husband’s
truck. I added the headstart amount to the amortization schedule
(excel
spreadsheet) and saw that we could have his truck paid off in ONE YEAR
instead
of three years … I got so excited !!!
It
was then that
I remembered your information about ‘human nature.’ And I
realized
how very right you are ! Feeling the sense of success and
accomplishment at removing one large debt will propel us to continue on
this
path of debt elimination !
Beth Adams
Baton Rouge, LA
USA
I was reluctant at first because I have tried several variations of the same theme but to no avail. I continually looked for ways to get out of debt based on my income alone. I of course, did the normal things or at least tried some of them, like turning down my air, staying off my cell phone, not eating, etc. you get the picture. (No, I did not sell my TV like Charles Givens said I should.)
The very first thing I did was check out my credit report. There were three (3) things on my report that immediately did not belong, to the tune of $8900 that belonged to my ex-husband. We have been divorced for four years! I had no idea.
While that was being cleaned up I decided to talk to my HR person about my payroll deductions. She had a program that automatically figured out exactly what my net would be if I changed them (We tried several combinations). Right away I am netting $90.38 per month!!! Can I say that again $90.38 per month? Who would have figured?
That was enough to make me sit down and figure my “Budget” one step at a time just like you outlined. I had never actually taken this step in the past, it always seemed so cumbersome. Simply by doing this one thing I was looking at my bills and expenses in an entirely different manner. I started doing some research and found out things like I could change my local and long distance phone service to broadband. (This is saving me $54.96 per month!!) I also found out that while it is convenient it is not necessarily cheaper to have all of your services in one lump package like some of the internet service providers suggest. I am keeping my satellite service for my TV and my cable service for my computer. It is costing me the exact same amount of money.
Just by the two steps above I now have $145.34 per month as my HEADSTART and I didn’t have to give up anything!
Any way I could go on and on and am still very excited about how many new things that I will uncover just by paying attention.
I just wanted to say thank-you very much. I will be completely out of debt in 14 months. When I calculated this on my own (using a spreadsheet and calculator). I was looking at over 6 years.
I am so glad I found you.
Karen Laster
Greensboro, NC
USA
Annie Barnes
Memphis, TN
USA
Brad and Lori Pollina
St. Louis, MO
USA
Jackie Geisel
USA
I never buy into things I read on the net, but because it was on Maria Gracia’s site, I decided to take a chance. I’ve been in and out of debt a lot of times in my life. I have good credit and I’d like to keep it that way.
I now have a plan and I feel great about it. I’ll be out of debt in 14 years, but that’s better than never knowing when you’ll get out of debt.
N.W.
I have recently purchased your product.... Since I have read through this I have considered it my bible for self esteem, courage, and motivation. I have been through major changes in the last year, going through a separation, divinding monies owed with my ex, raising children on my own and trying to find employment. Since reading your material, I have had 3 interviews, I seem to feel more control over my budget and expenses and feel ready to concur the world. I helped out a friend with a workshop that needed to be put together and in return, she has referred me to many people for work opportunities. Just having her reference alone has opened up doors for me that are amazing and unexpected. The true gift of giving, even though it was not with money but with heart. So thank you for sincerely for putting this package together. It has given me a new positive look on life and has refreshed me to keep going. I also want you to know that I was referred to you through Scott Stratten as I recieve his motivational movies once a month. He as well, has been a great motivator in my life. I share his videos with everyone I know.
Sincerely,
P.S.
USA
I am in the process of divorcing, and am trying to be financially independent. I bought your book in the hope of gaining insight into some of the mysteries of where money drains to despite my efforts to keep it on a tight rein. Your book is excellent for putting money into perspective, understanding where it goes and the necessity for calculating how much you are really paying for major purchases. Being responsible for your money is an important lesson. The debt-cruncher is great fun and works a treat, being based on sound principles, logic and maths.
I have also read the free e-book you sent on the greatest money-making secret of all time. It is inspirational, fascinating, and thought-provoking. It also put into words a concept I knew existed, but never really thought about because it was just another part of me. So, thanks for awakening understanding of a part of me which could prove to be beneficial to my financial situation.
Sarah Hague
St.Clement de Reviere
France
Your get out of debt system really helped
me and my situation by
laying out a road map that was clear and easy to follow. I am very
excited about 2006 and carrying out your program and ultimately getting
out of debt forever. I also appreciate the Leo Quinn newsletter
and the quality content and very usable ideas. But what I really
like about you is that you only refer quality products and people to
your customers.
Grand Rapids, MI
USA
I purchased "How to Own Your Paycheck" in
January 2006. I had
been considering it for some time but was hesitant because I have
purchased books on finance in the past and not read them. I
decided to purchase when I did because a) it was time to fish or cut
bait and b) you offered a value-added premium package.
I am very glad I purchased your materials. They were easy to read and
understand and provided some very usable tools. I can now see a
way out of debt much sooner than I had been able to previously.
Your materials also provide good basic financial education about credit
and setting up a maintainable budgeting system. I am
beginning to see myself differently in relationship to money, which is
perhaps the most important thing of all.
As a result, I have begun to pay off debt according to your system and
expect to have paid off two loans, and to be making significant headway
on another, within the year. I also expect to be able to pay off
my car loan well before the end of the loan period.
Thank you very much for providing these valuable resources, and for
reminding us all to have a sense of humor about it rather than judging
ourselves.
L.A.
Santa Barbara, CA
USA
Our local High School offers evening classes at very reasonable prices. When I saw "How to Own Your Paycheck Again" I thought that would be nice! I knew I had debt that seemed to never go away. So I took the class. I have to say I was pleasantly surprised! Leo was very insightful, and he had a very basic no brainer way of attacking your debt. I implemented his helpful hints on wherer to find some extra cash to apply toward my debt...
Lisa Snyder
Albany, NY
USA