The Ultimate Personal Money Management System
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Moving you from Ouch to Pouch!

TIME TO BREAK THOSE CHAINS OF FINANCIAL BONDAGE!  Are you one of the 78% of wage earners, or 64% of salaried workers, who live paycheck to paycheck? Are you continuously stressed out over money?  Have you tried time and again to get a handle on your money only to end up worn out and in worse shape at the end of the month?   Do you think the money gene just missed you and you will never be "good at money"?

Please listen to me very closely...IT IS NOT YOUR FAULT!

If you  experienced any of the above situations, here is the real truth.  You have been snookered, bamboozled, deceived and even out right lied to by some of the most respected entities in our society.  Theses establishments should put your financial interest first, but instead they have made sure to take care of their own at your expense.   In order to keep their powerful place in our societies, they need you to be their financial slave, deep in dept and deep in need.  They discovered this power generations ago and have become experts at manipulative plans and systems that work extremely well...for them!

But it is time you turned the tables on them.  You must realize you are in a war for your financial future.  If you consider it less than war, you will be so overwhelmed by their efforts and resources, "the best you can hope for is to die in your sleep." You need an effective, proven weapon you can count on to even join this fight. That is exactly what the  PouchPlan money management system is; a weapon you use that is more powerful than theirs.

  You will also need a plan to overcome their well laid plans.  And since their efforts are ceaseless, you will need a system in place that automatically puts your best weapons to work over and over again.  That is exactly what the PouchPlan money management system does; it automatically repeats your successes over and over again. 

You know why people and businesses budget?  They do so because it works!  But who has the time, the skill, the know how,  the expertise, (did I mention the time??) to keep up a traditional budget  Almost no one, that's who!  The PouchPlan was designed to deliver 95% of the benefits of a traditional budget with only 5% of the effort, time, and resources.. It's not that you can't do money....  YOU JUST NEEDED SOMEONE WITH THE RIGHT PLAN AND SYSTEM TO SHOW YOU HOW!

Here is how and why the PouchPlan works so powerfully

  • Instructions are provided to you by paycheck, just like your money actually comes in.
  • You identify your Regular (regular in amount and time each month) expenses. These are all set up to be paid (preferably automatically) out of your checking account. These are the ONLY expenses paid from that account and enough is deposited from each paycheck to cover those that come due until the next paycheck.  The PouchPlan tells you this amount.
  • Your bank checking account changes from a place where you park your money while you decide what to spend it on to a place where every dollar is considered spent the moment you deposit it into your account.. This takes so much off your mind and plate, you will be shocked as money stress that simply fades away. 
  • Irregular expenses (those that vary in amount and time each month) are budgeted by category and funded with money available from each paycheck after enough money is left in the bank to pay the Regular expenses for that pay period.
  • You prefund all your regular expense with CASH.  Because you prefund with cash, no accounting, bookkeeping, math or end of month reconciliation is ever needed.  All this happens automatically as you just SPEND your money.

If you use this system, you no longer need to have any accounting or bookkeeping skills to have an up to date and accurate financial plan.  You don’t even have to do any math!  You will not spend hours tracking and recording expenses.  Your total time commitment each month will average less than 15 minutes.

The PouchPlan is not an academic experiment.  My wife and I put it into place almost twenty five years ago when we started our marriage as a blended family of seven, with five children ages five  through seventeen  It was forged in the blood, sweat and tears of real life.   Because of the PouchPlan we have celebrated five college graduations with no debt. We have sung and danced at (and paid for) four wonderful weddings. We’ve gone from $100,000 in debt to having a secure and abundant retirement ahead of us.  But we think the biggest accomplishment of the PouchPlan is that it has helped us raise five fully functional adults that contribute to their families, communities and country each and every day. 

I constantly emphasize to people how many areas of their lives are affected by how they handle their money.  If you do money right, life gets easier and better.  If you do money wrong, life only gets harder.  We call it going from “Ouch to Pouch”.  Won’t you join us?

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