Fact: Most marital problems are caused by money-or the lack thereof. When it comes down to it, most people simply are not financially literate. If you put two people together in a relationship, there's a good chance at least one of them isn't going to be interested in budgeting. But even aside from relationships and outside of families, people tend to struggle with their finances.

From: <name>
Date: <date>
Re: How Do I Get My Finances Under Control

Dear Friend,

You've about had it. Every other day, some bill crops up out of nowhere. Right when you think you're finally caught up, your finances are thrown off kilter by some unforseen bill.

Maybe you got on track for a while. You created a budget and followed it for a few weeks. Once things started sailing smoothly, you began ignoring your budget-and it happened again: your finances got completely, hopelessly out of control in no time at all.

Less than a month later, you missed a mortgage payment. You had the money to pay it, but you didn't know it was due. You then spent the extra money in your bank account, not knowing that it should have been for the mortgage payment.

A few weeks later, you received a notice that your payment was late, along with other miscellanous, unforseen fees. Perhaps your property taxes were due or the city sent you a notice to pay your excise taxes.

And the list goes on...

If you have a spouse or a significant other, things are even more complicated. Perhaps you've pooled finances, but neither one of you is very good at keeping track of transactions. This is always a recipe for disaster.

And if you have children, things are unimaginably complicated. Right when you think everything is in order, someone has a birthday or needs money for a school trip. Or someone needs glasses or is feeling sick. Now you have co-pays to worry about...

Isn't there any simple, clean way to deal with all of this?

Yes, There Is. If Your Finances Are A Mess, You're Doing Something Wrong.

Now, if you've created budgets in the past, they probably didn't work for you, which is precisely why you're not using one now. So you instinctively shy away from the idea of creating a budget.

Instead, you might consider other ideas. You might decide to pick up more hours at work or to simply argue with your spouse or significant other. You might even think about breaking up, simply because you somehow equate all of these problems with being in a relationship...

Fortunately, you don't actually need to do either of these things. Your financial problems, in most cases, can be traced back to several critical problems.

What Are These Problems?

One problem many people encounter is that they are unwilling or unable to control their expenses. Until they actually create a budget and determine how much they are spending on different things (perhaps they spend more than $1000 a year on coffee), they wont ever be able to force themselves to control this problem.

Another problem people encounter is that they conciously avoid planning for yearly expenses. This is one of the reasons why many budgets fall apart. The budgeter in question gets started, but once "bills start coming out of nowhere," he gives up in despair, even though he knew, but choose not to plan, for those bills.

Yet another huge problem would-be budgeters face is that they avoid debt. This causes them to loose track of recurring expenses and interest rates on various loans and credit card bills. The end result is that more expenses-in the form of interest-seem to "come out of nowhere" all the time and unpredictably.

Luckily, no matter how deep of a hole you find yourself in, you can use the same solution to fix all of these budgetary problems...

Introducing...

A Guide to Common Sense Budgeting

Until today, you have chosen to put an unnecessary amount of strain on your mental health. You've chosen not to budget your money, not to keep track of your expenses, and not to secure your finances in the event of some unforseen expense.

But starting today, you're going to change all of that. You're actually going to begin improving all aspects of your life by simply getting your budget under control.

My ebook, A Guide to Common Sense Budgeting, will guide you through the process of creating a robust, easy-to-follow, easy-to-understand, easy-to-stick to budget. The budget you create will be like nothing you've worked on in the past...

By the time you're done...

• You'll actually want to continue working with your budget. Why? Because it actually works for you. You will find that it makes your expenses easily predictable and helps you to remain ready in the event that something unpredictable does occur. It will also do wonders for your health and your family (if you have one).

• You'll have mastered the basics of budgeting. I explain clean systems to use for keeping track of receipts, setting spending goals, and avoiding overly rigid spending plans-which actually wont help you in reality.

• You'll master a number of complex budgeting techniques. I explain several less-known tips for budgeting, such as how you can use it to improve vacations and time with your family.

• You'll also learn how to budget your household and family expenses. Hint: this might be easier than you think. You just need the right system...

• You'll also learn how to budget college expenses-your own or your children's-as well as a number of other special budgeting techniques, such as budgeting for the elderly, for new babies, and for weddings...

It's Simple.

If you're wondering why your finances are a mess and you're desperately seeking some way to smooth things over with your spouse, then you need to start budgeting.

But before you budget, you need to learn the proper time-tested methods. Otherwise, you are likely to find yourself where you have been in the past. You'll end up with an unworkable system that hasn't solved the problem, but has added an extra work burden for you - at least until you start ignoring it.

So don't let your financial problems continue to degenerate. Grab ahold of your financial future today by taking the next step...

Order "A Guide to Common Sense Budgeting" Today...

Remember, poor budgeting skills have the potential to turn even the greatest of marriages sour, pitting partner against partner. And no individual is immune to this same problem, either. Whether you're married or single, you need to learn how to budget.

You can read the entire 41-page PDF guide in less than three hours-and immediately begin learning critical methods for controlling expenses, tracking expenses, saving money, budgeting for events, and, most importantly, creating a budget that actually works for you and your family. For only [price], you can avoid all the stress and fights that come with unsound budgeting.

So think about it:

• Do you want to let your finances continue to slide?
• Do you want to sit around, spending thousands of dollars on coffee or magazines or some other frivilous expense, not even knowing the amount of money you could save?
• Do you want to watch relationships degenerate when, in fact, you do have all of the money you need to cover your expenses?

Of course you don't. But you have to take action...

To make your decision even easier, I've made the delivery process completely automated, which means you will receive my ebook via email as soon as you complete the ordering process.

[check out]

Warm Regards,

<name>

P.S. - Buy this book today. Your entire family will benefit from your new financial skills. Not only can you help yourself, but you can use what you learn to help your parents or children maintain budgets.

P.P.S - This guide is the best you will find on the market. In only 41 pages, you will learn all of the basics about budgeting. You will also learn several advanced and specialized techniques for event budgeting and expense reduction.

P.P.S - Why continue to delay? For this tiny investment, you can literally improve all aspects of your life. Imagine having more free time and completely eradicating the stress you associate with bills and expenses? What could possibly be more important than that? Nothing, so get started today...