In December 2006 I ran into the Money Merge Account offered by United First Financial.  Because it’s marketed by a network marketing “type”  distribution system, I was a little…..ok, a lot skeptical to say the least.  However, after about 6 full months of serious due diligence I realized this program was the real deal and will do what no other tool can do.  That is show my clients the cause and effect of every single buying decision they make.  It acts much like a Financial GPS.  Just like a GPS, it will l recalculate when you go off track.  Go to Demo of Debt Elimination Software for a full demonstration of the software.

I have researched many “copy cat” programs on the market, and in my opinion the Money Merge Account is in a class by itself and well worth the higher price tag.  It’s a “State of the Art” web-based software program that has been the recipient of several awards from various trade publications.  The greatest recognition came from Ernst & Young in 2008 when the founders of United First Financial received the Entrepreneur of the Year for Financial Services in the Utah Region.  The program was also featured by NBC in this news clip.

20/20 Financial Foresight

As in most aspects of life, when it comes to finances, it is difficult to look ahead with a clear perspective for what the future will hold. Instead, we walk along nearsightedly, stumbling into avoidable holes of deep regret. The blurriness of the way impacts the quality of our decisions. To make matters worse, we can look back on our missteps with surprising clarity—the curse of 20/20 hindsight.

But what if you could have 20/20 foresight—especially regarding your financial security? How would you craft your life differently if you knew beforehand the impact of all financial decisions? The Money Merge Account® program does just that by using your existing monthly budget.

20/20 financial foresight—imagine the possibilities!

”In these economic times, having control over our finances is a relief. Having an actual, attainable pay-off date is amazing and keeps us very motivated!  Thanks”.

Two objections

1. I can do it myself
2. It cost too much

Let’s take these one at a time.

I can do it myself.

My first response to “I can do it myself” is, if you could have, you would have, so if you haven’t, you can’t and at best you won’t!

For a moment let’s assume you really believe you can find your way out of debt on your own; here’s something you can try.  Go buy Dave Ramsey’s books or even his Total Money Makeover.  While you’re at it check out Suze Orman’s books as well.  If you really want to save some money you can go down to your local library and check the out the books for nothing.  If that approach works for you, great!  God Bless.  You saved some money. Enjoy a prosperous life and stay out of debt.

However, if you’re like the rest of us, buy the best tool on the market and start on your road to financial freedom today.  I promise you there is nothing better available.

Here’s another take on I can do it myself.  Let’s for a minute compare debt to obesity.

Problem:

You currently weigh 300 lbs but your ideal weight is 180 lbs.  You have been over weight for the past 10 years and have suffered in many ways from carrying around that extra 120 lbs.

You have tried:

You have purchased all the books and tapes from TV for $29.99.  (You know…..the Dave Ramsey and Suze Orman type).  The TV personalities that make you feel that they are the only ones who know and/or tell the truth.  You know what I’m talking about ….right?

But to no avail you lug around that dreadful extra weight year after year.  To make matters worse, while channel surfing, you tune in time after time where you find people praising Suze and Dave for their fantastic “Quick start” “Boot Camp” type programs that seem to be working for everyone.   That is everyone….. Except you!

My advice on debt

Pay top dollar for a personal trainer who shows up at your door every morning.  He (or she) takes you to the gym every day and show you the proper form for your exercises.  They prepare your meals and tell you exactly when and how much to eat.  This trainer keeps you on track and pushes you to limits you would not go on your own.

Here’s my question to you.  What is a better deal economically?  Is it the book and tapes that cost little but do not get the job done?  Or the personal trainer that cost a lot but gets you to your goal?

Theoretically is it possible for someone to buy a book and be successful in losing weight and becoming healthy?  Of course it is! Can someone buy one of Dave Ramsey’s books and become debt free?  Absolutely!  My question boils down to this.  Where are you likely to have success?