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Money Messages™ from OwnYourMoney.com
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| From Belinda Fuchs, CPA |
Edition: I-2009 |
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Greetings!
With Valentine's Day approaching, did you remember to get a card for ... your money? Besides your significant other, your family, and your friends, you have a relationship to money. Most of us forget - or try to forget - that we do. This month's newsletter is dedicated to you, your money and your relationships!
Enjoy the Feature Article, "Romancing Your Wallet", to discover how to celebrate Valentine's Day on a budget, including how to discount your next restaurant bill by 60%! Hear about this month's Success Stories of over $26,500 and discover how the OYM Club can be the support system you've been looking for. Join by January 31st for a special bonus.
"My wife dragged me here; I'm so glad she did!" Our newest program "Marriage and Money - Creating a Rich Future For You and Your Partner" is a must-have for the Valentine's Day holiday and an investment in your relationship and your family's financial future.
"The seminar was excellent and really inspiring!" Our next "Money Mind Makeover - Get a Plan" course date has just been announced for March 25th. Discover how a more positive relationship to money, and knowing exactly where your money is going, will help you to spend smarter, stress less, and make your money go farther.
In the News, check out five free money management websites in my SmartMoney.com article and read about my TV show's "Best of 2008" nomination too. The OYM Tip will give you access to run your credit report - and score - for free!
Here's wishing you a wonderful, wealth-preserving Valentine's Day!
Belinda and the OwnYourMoney.com Team
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 Feature Article
Romancing Your Wallet
By Belinda Fuchs, President, OwnYourMoney.com
A holiday like Valentine's Day draws attention to the personal relationships in our life. If you're part of a couple, the pressure to celebrate your relationship is intense. If not, the pressure to get into one may seem unbearable. Either way, the common culture of Valentine's Day emphasizes spending, on a significant other or yourself. Why not take the pressure off and re-focus?
Following are some suggestions for a Valentine's Day that's all about love . . . for yourself, your partner and your money.
For couples:
- Budget gourmet: treat each other to a romantic, gourmet meal at home; agree on a single splurge item, and build a simple but elegant meal around it. Or, if "romantic dinner" and "at home" simply don't co-exist for you, check out Restaurant.com to get up to 60% off a restaurant meal.
Read more for couples and singles ...
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| Success Stories
We are so proud of our OYM Clubs, especially this month! While many people may have already forgotten their New Year's resolutions, our support system is in full effect - for women and for entrepreneurs - and they are getting huge results! This month the two groups made or saved over $26,500 with only a $150 monthly investment per person!
Here are a few examples:
Karen went after a new job, believing that she could find something that would fit her vision and would pay her what she is worth in the marketplace. With the OYM Club support and her accountability partner (her "money buddy"), she realized that the opportunity just offered to her was exactly what she had been wanting and she really did deserve it! The results - A raise of $7/hour for the first 3-months and then an additional increase of $2.50/hour after. In the first year, that is an $18,500 raise!
Lauren committed to calling her credit card company and getting a rate reduction. Her money buddy Kim called to support her to meet her timeline before our Club call. Lauren then called and got an interest rate reduction of 5.5%. Kim was so inspired by Lauren's action that she called and got her own interest rate reduced too!
If you want your own support and results (not just resolutions), read below to "Join the Club". You'll want to join by January 31st (and get a bonus fast-track call) or you'll have to wait until April to start with the group.
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Join the Club
Special opportunity for January ONLY!
Join by January 31st - - Start immediately with our February program. Since we have many new members joining, we will be holding a bonus two-hour Fast-Track Call to get all new members up to speed on what we covered in the first semester.
Join February 1st - March 31st - - we'll send you the materials to get you started and you'll start your teleclasses in April.
Tired of the same results month after month in your financial picture? The OYM Clubs provide enthusiastic and valuable support to realize your financial goals.
- Are you a single woman or a spouse struggling to keep it all together with your finances? Get the support and education you need to feel confident and empowered.
- Are you a business owner not making the money you want from all the work you are putting in? Discover how to build a real money-making business, promote yourself more effectively, and enjoy a smart team of like-minded entrepreneurs.
 There are two separate OYM Clubs tailored to your specific needs - for women and for entrepreneurs/business owners. The platform for the Clubs is phone-based group coaching on the 1st and 3rd Monday nights of each month. You also get an accountability partner, valuable workbooks, a private OYM Club website, access to call replays, and an ongoing support system. You won't want to miss what's coming up on our next call this Monday, February 2nd!
To join the club and secure one of the last 5 spots, use our new on-line registration to REGISTER or email us today. |
OYM Programs and Events - New Couples Only Event!
"Marriage and Money - Creating a Rich Future For You and Your Partner"
NEW ONE-DAY WORKSHOP FOR COUPLES
Money is found to be the #1 cause of divorce and fighting among couples, and experts are expecting the divorce rate to rise in this current economy.
Have you ever found that you just don't understand your partner's actions with money?
Do you ever have stressful conversations about money with your partner?
Would you like to discover a whole new way of relating to money for you and your spouse?
Do you handle all the "money stuff" and are afraid or frustrated that your partner is not involved?
Couples who save together, stay together! On Sunday, March 1st in Boston, MA, you will be able to:
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Understand your and your spouse's money personalities so you create a unified team to manage your money
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Align on goals and create an Action Plan
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Learn tips to save you thousands on your daily expenses - from your food to your mortgage!
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Discover how to have FUN and manage your money, with the support of other couples just like you!
Hear directly from two husbands who are thankful they attended:
 "My wife dragged me here and I'm so glad she did. It has opened the financial communication between us that hasn't been there in over 16 years of marriage. Now I'm interested in being involved and know we are heading toward financial independence." ~ Frank, Software Architect
"Belinda brings a playfulness and levity to money management that is uniquely appealing. She is not only knowledgeable, but creative in the way that she connects people and ideas to serve her clients. My wife and I now relate to each other as partners on the same team instead of always feeling like we're fighting about money. We are now on the same page in a way that we have never been despite 17 years of dating and marriage. Belinda is terrific!" ~ Jim, Director Sales & Marketing
This is a must-have Valentine's gift for couples. LIMITED to 12 couples, and three couples have already pre-registered. If you are interested, register on-line if you click here or contact us at 617.268.0600. Early-bird tuition pricing now available.
Private Coaching
OYM private coaching is consistently creating value of $1,000 - $60,000 for women, entrepreneurs and couples. Private coaching clients also obtain priceless results as they gain control of their finances and discover a new way to relate to their family or business finances. Would you like to be next?
Ready to turn your resolutions into results? Now is a great time to start your three-month program. Email us as info@ownyourmoney.com to set up a time to talk. We'll go over your circumstances, talk about the program options and create the best fit for your needs.
Money Mind Makeover - Get a Plan
Wednesday, March 25, 2009
- Are you your own worst enemy when it comes to saving?
- Do you know where your money is going?
- Would you like certainty with your finances in these uncertain times?
Whatever your income, it is now even harder to find the money to finance your goals and find financial peace of mind. Getting a new perspective on wealth, resetting your beliefs and creating new behaviors will help you stress less and spend better. Now it's more critical than ever to establish your financial security . . . but where will you begin? Get a Plan!
What January's graduates are saying:
"The seminar was excellent and really inspiring!" ~ Karla, Youth Worker
"I was inspired that so many women of varying degrees of wealth, age and knowledge shared such similar belief systems around money. Although the self-talk was tough to hear - people being so awful and negative to themselves - we all recognized it was not true and did great turnarounds! GO US!" ~ Katie, Admin Assistant
"The importance of a specific inspiration was an "aha" moment. I always knew goals were important but the inspiration helps with the stick-to-it-ness." ~ Wendy, Advertising Executive
Follow this link for more information on the upcoming March 25th program. This interactive course is held from 6:30pm-9:30pm in Boston, MA. Registration is now open.
Upcoming Events
- Wednesday, February 11, 2009 6:30pm-9:00pm - South Boston Chamber of Commerce - "Thriving in Recessionary Times - Making the Recession Optional"
- Sunday, March 1, 2009 10:00am-4:00pm - "Marriage and Money - Creating a Rich Future For You and Your Partner" - Boston, MA
- Thursday, March 5, 2009 6:30pm-8:30pm - Harvard Business School Women's Association -"Women and Money: It's Emotional Business" - Cambridge, MA
- Wednesday, March 25, 2009 6:30pm-9:30pm - "Money Mind Makeover - Get a Plan" - Boston, MA
- Wednesday, April 29, 2009 - Greater Hartford Women's Conference - "Women and Money: It's Emotional Business"
Access OYM's Full Calendar
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In the News
At Harvard's Dynamic Women's Conference last Saturday, Belinda spoke with keynote speaker Leslie Blodgett (pictured below at left with Belinda). Leslie is the CEO of Bare Escentuals, a $500+ million cosmetics company committed to helping women feel beautiful inside and out.
Belinda also spoke with reporter Eileen Curran (pictured below right with Belinda) of WBZ-TV news (CBS affiliate in Boston) about possible opportunities for her financial therapist expertise to help WBZ-TV's viewers.
 SmartMoney.com - "Money Makeover: 5 Sites for Your Finances" - Belinda recommends five financial websites that allow users to organize and track various accounts from one location. These sites allow users to figure out how much money they have and where it's going. Follow this link to read the article.
FinanciELLE Blog - "Tightening The Money Belt" - Features Belinda's expertise on managing credit and controlling your spending. Follow this link to read the article.
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| Rich Ideas
Couples and Money
This current economic downturn is creating a financial, emotional, and stressful squeeze on our lives and our relationships. With Valentine's Day right around the corner, love is on a lot of people's minds. It is essential to create an open and honest relationship with your partner when it comes to managing your money.
Here are two valuable articles so you can see the GOOD and the BAD of what is possible right now:
1 - Tips and insights for a calm, peaceful relationship with your partner AND your money.
2 - What not to do - Financial Infidelity is reported to be on the rise - from 30% in 2005 to 50% in 2008. Discover how to avoid being another startling statistic.
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OYM Tip
Your Credit Report and Credit Score
Many questions have come in recently asking about how to get your credit report and score for free. Here is your answer:
Go to www.AnnualCreditReport.com to get your detailed credit report for free. You can get it for free from each of the three credit reporting agencies (Experian, TransUnion, and Equifax) annually. We suggest you run one from each every 4 months. Each time, review the report and contact all three of the agencies to make any corrections. SAVE MONEY by NOT buying the individual reporting agencies reports, as they each have their own scoring system which does not agree with your "FICO score".
Go to www.MyFICO.com to pay and get the widely-used and regarded "FICO" or Fair Isaac Company's credit score. Your credit score is generated by a mathematical algorithm and affects your ability to get the best rates on your mortgage, credit cards, and may even affect your next job offer!
BONUS - Get your credit score (not just report) for free by contacting an agency that has recently run your credit report, such as when you have applied for a mortgage, refinancing, or credit card.
Read more on how credit scores work and how your score is calculated.
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 Our Mission
To forever transform the way people think, feel and act about money - providing hope and direction for individuals, couples and families.
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